Sew Vac Direct is proud to announce VAC Service Corp. / Bankers Warranty Group warranty enhancement plans for our sewing machine and vacuum cleaner sales in the USA.

Founded in 1980, VAC Service Corp. administers warranty and extended service programs for a wide variety of products, including consumer and office electronics, housewares, major appliances, lawn and garden equipment, power tools, exercise and fitness equipment, bicycles, cameras, watches and jewelry, and more. VAC is also deeply involved in digital satellite system installation and service, software support, PC installation, and a wide variety of telemarketing services.

Despite this range of activity, it is likely that as a consumer you've never heard of VAC Service Corp. That's because they operate largely in the name of their clients, who include some of North America's leading retailers, manufacturers, and others.

Over the years the company has grown to become a leader in the consumer products service contract space. In December 2005, VAC became part of Bankers Warranty Group, a wholly owned subsidiary of Bankers Financial Corporation. Bankers Financial Corporation has been in business for over thirty years and is a corporate parent to a diverse array of businesses.

More consumers throughout North America have their service needs met through VAC Service than through any other independent warranty and service plan administrator. Their fully administered service contracts are backed by "A"-rated insurance, giving their clients the peace of mind they expect from a premier warranty provider. They're the service company behind more than 25 million service plans currently in force, and to care for these consumers they've established and maintain a vast network of more than 52,000 authorized service centers throughout the 50 contiguous United States and Canada. These centers are prepared to provide service for more than 3,000 product categories.

• They provide protection on items that are not covered by the manufacturer's warranty, including Power Surge Protection.
• They will protect your product after the manufacturer's warranty expires. You will have peace of mind knowing your product will be protected.
• They cover parts and labor needed to repair mechanical or electrical failure or defects in your covered product. If the product cannot be repaired, it will be replaced.
• Prior to the expiration of each agreement you'll have the opportunity to keep your warranty plan in full force. It stands to reason the longer you continue to own the product, the more valuable the security of your warranty plan becomes. Also, there is no charge to transfer to a new owner in case you should sell the covered product. These plans add to the resale value of the covered product.
• They protect you wherever you go with over 52,000 authorized service centers in the United States and Canada. As long as your product is covered, you'll be totally protected from costly repair bills.
• Every plan is fully insured by one of the nations leading underwriters. No matter what happens, you and your product are completely covered.

For terms and conditions, continue reading or click here if you are a Florida resident. Please note that these may not be your actual terms and conditions as they are often updated. Your actual terms and conditions will be mailed to you within 90 days after your order is approved, processed and shipped.

Full Terms and Conditions

DEFINITIONS: "We", "Us", and "Our" indicate the issuing Dealer, the company obligated under this service contract. "You" and "Your" indicates the purchaser of this service contract or the person to whom it was properly transferred. "Administrator" indicates VAC Service Corporation, provider of services under the service contract. "Service Contract" indicates the terms and conditions, limitations, exceptions and exclusions included herein and constitute the entire agreement. Rights under this Service Contract may vary from state to state.

TERM AND COVERAGE: The term of the Service Contract commences at the date of purchase of the eligible covered product(s) and is inclusive of the manufacturer's warranty. This Service Contract does not replace the manufacturer's warranty, but provides certain additional benefits during the term of the manufacturer's warranty. After the manufacturer's warranty expires, this Service Contract continues to provide the manufacturer's benefits as well as certain additional benefits listed within this Service Contract. There is no deductible for this Service Contract.

IF YOU NEED SERVICE: Call 1-800-431-5843 and have Your Service Contract number available. Service will be available 24 hours a day, 7 days a week. The Administrator may perform a telephone diagnosis of the product failure. If Your covered product is deemed defective, at the Administrator's sole determination, You will be instructed as to the procedures for obtaining service applicable to Your covered product. You may be asked to provide proof of purchase as a condition for receiving service under this Service Contract. YOUR ORIGINAL PURCHASE RECEIPT SHOULD BE KEPT WITH THIS SERVICE CONTRACT IN A SAFE PLACE.

WHAT IS COVERED: Subject to the terms and conditions of the Service Contract, service performed under the Service Contract shall consist of labor and parts necessary to restore Your product to normal operating condition. The Service Contract provides coverage for the repair or replacement (as applicable) of the covered product resulting from failures that occur during normal use and operation in accordance with the manufacturer's written specifications. Your product must be readily accessible in order for service to be performed. The Service Contract provides coverage only for the product(s) listed on Your schedule page and/or sales receipt.

POWER SURGE PROTECTION: This service contract protects against operational or mechanical failure of a covered product resulting from a power surge, while properly connected to a surge protector approved by the Underwriter's Laboratory. Your surge protector may be collected by the Administrator for examination.

NO LEMON COVERAGE: If after the manufacturer's warranty period expires, Your covered product fails three (3) times due to the same parts failure, on an individual product, and that product requires a fourth repair, as determined by the Administrator, the Administrator will replace the failed product with a product of like kind and similar features or the Administrator may elect to pay You a cash settlement. The cash settlement amount shall not exceed the actual cash value of the covered product in operating condition at the time of the claim excluding taxes. You may be required to return the original defective product to the Administrator at Your expense. Replacement of a covered product or payment of a cash settlement will fulfill this agreement in its entirety and will cancel and discharge further obligations under the Service Contract, where allowed by law. Preventative maintenance checks, cleanings, product diagnosis, customer education, accessory repairs or replacements are not considered repairs for the purposes of the No Lemon Coverage.

TYPES OF SERVICE AND SERVICE LOCATION: In the event that You purchased In-Home/On-Site service as indicated on Your Schedule page and/or sales receipt, repairs will normally be performed at Your residence. In the case that some work must be completed at the repair center, the Administrator will reimburse You for transportation or shipping of Your product or component to the repair center. If You live beyond a thirty-five (35) mile radius of an authorized repair center, You may be required to ship/transport the product to the designated repair center; however shipping/transportation charges will be covered by the Service Contract. In-Home/On-Site service shall normally be available and rendered during the regular working hours and workweek of the authorized service provider. An adult of legal age must be present at the location where on-site service will be performed. You must provide a safe environment for the service provider in order to receive service. In-Home/On-site service is not available for, but not limited to, the following items: printers, scanners, fax machines, personal digital assistants, external hard drives, CD/DVD ROM's, external memory and storage devices, consumer electronics products excluding televisions greater than 27", small appliances and or similar products.

SERVICE CONTRACT LIMITS OF LIABILITY; AGGREGATE LIMIT: The total payment(s) for all claims under this contract shall not exceed the actual cash value of the covered product or system in operating condition at the time of the claim excluding taxes.

REPLACEMENT OPTION: At the Administrator's sole option, Your covered product may be replaced with a new or reconditioned product of like kind and similar features. The price of the replacement product shall not exceed the retail purchase price of the original covered product. The Administrator's responsibility is to replace Your product with a product of similar features, capacity and/or efficiency. The Administrator will not be responsible for product upgrades, matching brand or color or for any modifications or construction that may be necessary as a condition of service. If the Administrator elects to replace rather than repair Your covered product and a replacement product as described above is not available, the Administrator will pay You a cash settlement. The cash settlement amount shall not exceed the actual cash value of the covered product in operating condition at the time of the claim excluding taxes. You may be required to return the original defective product to the Administrator at Your expense. Replacement of a covered product or payment of a cash settlement will fulfill this agreement in its entirety and will cancel and discharge further obligations under the Service Contract, where allowed by law.

YOUR RESPONSIBILITIES UNDER THE SERVICE CONTRACT: For the Service Contract to remain valid and active, You must maintain Your covered product in accordance with the requirements set forth by the manufacturer's specifications, including maintenance and cleaning. You must provide proper electrical requirements as specified by the manufacturer. You must assure full cooperation with the Administrator and authorized service provider during any telephone diagnosis and repair of the covered product including accessibility of the covered product.

1. Any new products with less than an original ninety (90) day manufacturer's parts and labor limited warranty and/or refurbished products.
2. Consumer replaceable items including but not limited to; light bulbs, fuses, replaceable fluids, hoses, belts, bags, batteries, ribbons, cartridges, printer heads, or any other parts or materials which are designed to be consumed during the life of the product.
3. Failures of the following non-operational components such as but not limited to: cabinetry and cabinet frames, decorative finishing, door liners, glass, custom fronts for appliances, handles, knobs, masks, racks, rollers, shelves, software, media and cosmetic damage.
4. Damage resulting from unauthorized repair; improper gas or water connections, or electrical wiring and connections; damage caused during delivery, improper installation, or setup; user facilitated minor adjustments and settings outlined in the product's owners manual; inaccessible products or parts; negligence, misuse or abuse.
5. Failures due to corrosion, rust, dust, animal or insect damage; Acts of God such as fire, water, windstorm, sand, dirt, hail or earthquake; civil disorders; riot; nuclear accident; accidental physical damage by any external cause; malicious mischief; theft or vandalism.
6. Your failure to follow the instructions described in the product's owner's manual, manufacturer's recommended maintenance procedures, requirements and misuse or abuse of the product.
7. Any service request, which results in customer education or no problem found diagnosis.
8. Failure, inoperability, or disruption of any product or product functions due to any manufacturer recall.
9. Products used for commercial purposes, public usage, rental, or communal use in multi-family housing, Use of a product for these purposes or in these settings will void this Service Contract.
10. Conditions, which existed prior to Your purchase and delivery of the product or the Service Contract. Special, indirect, incremental, or consequential damages; loss of use.
11. Any service request or situation which may pose a health risk to the Administrator's technicians or service providers, including but not limited to insect infestation, mold, or fungus; whether or not such circumstances were a result of a covered failure.
12. Any cost associated with tearing apart walls, cabinetry, etc. to access wiring, components, etc. associated with custom installations of major appliances.
13. Loss or damage to stored data, loss or damage due to computer viruses and computer hardware or software that is added after the original purchase date as indicated on your sales receipt.
14. IN NO EVENT SHALL THE ADMINISTRATOR, OR OBLIGOR OF THIS SERVICE CONTRACT OR THE RETAILER FROM WHOM YOU PURCHASED THE SERVICE CONTRACT BE LIABLE FOR SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES WHICH INCLUDE, BUT ARE NOT LIMITED TO, ANY DELAY IN RENDERING SERVICE, LOSS OF DATA, OR LOSS OF USE DURING THE REPAIR PERIOD OF THE PRODUCT (S) OR WHILE OTHERWISE AWAITING PARTS.

REPLACEMENT PARTS: In connection with the repair service for a covered product as provided under this Service Contract, the authorized service provider or its designee, at its sole discretion, may use replacement parts which are new or rebuilt parts that perform to the factory operational specifications of the product. The use of non-original manufacturer parts is permitted under the Service Contract.

REPEAT SERVICE: If Your covered product should require service more than once within a sixty (60) day period, the service must be performed by the original authorized service provider.

AVAILABILITY OF SERVICE AND DELAYS: Service will normally be available during the normal work hours and workdays of the authorized service providers. The Administrator will make a reasonable effort to provide timely service or repair of Your product, however The Administrator cannot be held liable for service delays beyond the Administrator's control or any damages that may arise out of delays including but not limited to consequential damages. In the event that Your service is delayed more than thirty (30) business days, the expiration date of Your Service Contract will be extended by the repair time in excess of thirty (30) days. In the case of an emergency outside normal working hours, reasonable efforts will be made to expedite service for those situations.

MANUFACTURER'S WARRANTY: Parts and services covered during the manufacturer's warranty period are the responsibility of the manufacturer as described under the manufacturer's expressed warranty. The Administrator may cover other parts and services not covered by the manufacturer's warranty and as described in the Service Contract. The Administrator will refer You to the manufacturer for parts and services covered under the manufacturer's warranty.

RENEWALS: The Administrator may, at their option, renew Your Service Contract. The Administrator is not required or obligated to offer You another Service Contract. In the event You are offered a renewal Service Contract, You will be notified of the terms and conditions and the Service Contract fees that will apply to the renewal.

TRANSFER: This Service Contract may be transferred to an eligible party to whom You sell or give the equipment while this Service Contract is in force. This may be accomplished only if You notify the Administrator by mail with the name and address of the new owner within 15 days of the change of ownership.

CANCELLATION: You may cancel this contract for any reason at any time. To cancel Your Service Contract, contact the retail store where You purchased the Service Contract. If You cancel this Service Contract within the first thirty (30) days after receipt of this Service Contract You will receive a full refund, less any claims paid, where allowed by law. If You cancel after the first thirty (30) days from receipt of this Service Contract, You will receive a pro rata refund based on the time remaining on Your Service Contract, less an administrative fee, not to exceed ten percent (10%) of the price of the Service Contract or twenty-five dollars ($25.00), whichever is less, and less any claims paid, where allowed by law. If the Administrator cancels the Service Contract, You will be refunded the unearned pro rata purchase price of the Service Contract, less any claims paid, where allowed by law. If this Service Contract was inadvertently sold to You on a product which was not intended to be covered by this Service Contract, the Administrator will cancel this Service Contract and return the full purchase price of the Service Contract to You. The Administrator may cancel this Service Contract at its option on the basis of fraud or misrepresentation. THIS SERVICE CONTRACT IS ADMINISTERED BY VAC SERVICE CORPORATION, 334 County Route 49, P. O. Box 730, Middletown, NY 10940-0730.

This Service Contract is not a contract of insurance; however the obligations under this Service Contract are insured by a contractual liability insurance policy provided by Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

PLEASE REFER TO SPECIFIC STATE DISCLOSURES TO CONFIRM ANY INDIVIDUAL STATE REQUIREMENTS. THOSE INDIVIDUAL STATE DISCLOSURES SUPERSEDE ANY OTHER PROVISIONS IN THIS SERVICE CONTRACT TO THE CONTRARY. State Required Provisions Many states have consumer specific requirements governing Service Contract provisions. Please refer to Your specific state's requirements listed below.

ALABAMA: The right to cancel the Service Contract is not transferable and shall apply only to the original Service Contract purchaser. If the Administrator cancels the Service Contract, the Administrator will mail a written notice to You at Your last know 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 provider fee or a material misrepresentation by You relating to the covered property or its use. If the Provider fails to refund the purchase price within forty-five (45) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

ARIZONA: You may cancel the Service Contract at any time and receive a pro rata refund. No claim incurred or paid shall be deducted from the amount to be returned. The Service Contract may not be cancelled for misrepresentation by either the service company or its subcontractors.

CONNECTICUT: If the Extended Warranty Provider fails to perform according to the terms of the Service Contract within 60 days after proof of loss has been filed with the provider You may submit a claim to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185. The contract holder has the right to file a complaint to the Connecticut Insurance Department, Attention: Consumer Affairs, P. O. Box 816, Hartford, CT 06142. The written complaint must describe the dispute, the product purchase price, the repair costs and a copy of your Service Contract. If your Service Contract is for less than one year, the term of your Service Contract will be automatically extended for the period during which your product is in the custody of the provider for repair.

FLORIDA: You may cancel this contract for any reason at any time. To cancel it, submit Your request in writing to Us at the address cited below. If You cancel this Service Contract, You will receive a refund equal to ninety percent (90%) of the unearned pro rata purchase price less any claims that have been paid or less the cost of repairs of the product. If We cancel the Service Contract, You will receive one hundred percent (100%) of the unearned pro rata purchase price. THIS SERVICE CONTRACT IS ADMINISTERED BY VAC SERVICE CORPORATION OF FLORIDA, INC., 334 County Route 49, P. O. Box 730, Middletown, NY 10940-0730.

GEORGIA: You may make a claim to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185 if the Administrator fails to perform according to the terms of the Service Contract within 60 days after proof of loss has been filed with the Administrator. Cancellation of this Service Contract by the Obligor shall be in writing and shall conform to the requirements of Georgia Code Section 33-24-44.

HAWAII: If the Administrator cancels the Service Contract, the Administrator will mail a written notice to You at Your last know 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 provider fee or a material misrepresentation by You relating to the covered property or its use. If the Provider fails to refund the purchase price within forty-five (45) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. The right to cancel the Service Contract is not transferable and shall apply only to the original Service Contract purchaser.

ILLINOIS: This Service Contract does not cover normal wear and tear. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

INDIANA: The holder of the Service Contract shall be entitled to make a direct claim against the insurer upon the failure of the Administrator to pay any claim within sixty (60) days after the claim has been filed. The claim may be filed with: Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

KENTUCKY: The holder of the Service Contract shall be entitled to make a direct claim against the insurer upon the failure of the maker to pay any claim within sixty (60) days after the claim has been filed with the maker. The claim may be filed with: Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

MARYLAND: The term of your Service Contract will be automatically extended for the period during which your product is in the custody of the provider for repair. If the Provider fails to refund the purchase price within forty-five (45) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder.

NEVADA: This Service Contract may not be cancelled by the Provider before the expiration date of the agreed term if it has been in effect at least seventy (70) days except for the following reasons: failure of the holder to pay an amount when due; conviction of the holder of a crime which results in an increase in the service required under the Service Contract; or in presenting a claim for service there under; discovery of an act or omission by the holder, or a violation by the holder of any condition of the Service Contract which occurred after the effective date of the Service Contract and which substantially and materially increases the service required under the Service Contract; or a material change in the nature or extent of the required service or repair which occurs after the effective date of the Service Contract and which causes the required service or repair to be substantially and materially increased beyond that contemplated at the time that the Service Contract was issued or sold. If the Provider fails to refund the purchase price within forty-five (45) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. The right of the holder to return a Service Contract pursuant to the laws of Nevada applies only to the original purchaser of the Service Contract.

NEW MEXICO: This Service Contract may not be cancelled by the Provider before the expiration date of the agreed term if it has been in effect at least seventy (70) days except for the following reasons: failure of the holder to pay an amount when due; conviction of the holder of a crime which results in an increase in the service required under the Service Contract; or in presenting a claim for service there under; discovery of an act or omission by the holder, or a violation by the holder of any condition of the Service Contract which occurred after the effective date of the Service Contract and which substantially and materially increases the service required under the Service Contract; or a material change in the nature or extent of the required service or repair which occurs after the effective date of the Service Contract and which causes the required service or repair to be substantially and materially increased beyond that contemplated at the time that the Service Contract was issued or sold. If the Provider fails to refund the purchase price within sixty (60) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder.

NEW YORK: If the Provider fails to refund the purchase price within thirty (30) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

NORTH CAROLINA: The purchase of this Service Contract is not required in order to obtain financing for the product.

OKLAHOMA: THIS SERVICE CONTRACT IS NOT IS NOT ISSUED BY THE MANUFACTURER OR WHOLESALE COMPANY MARKETING THE PRODUCT COVERED BY THIS SERVICE CONTRACT. THIS SERVICE CONTRACT WILL NOT BE HONORED BY SUCH MANUFACTURER OR WHOLESALE COMPANY. If the Service Contract is cancelled by You, You shall receive a refund based on ninety percent (90%) of the unearned pro rata purchase price. If We cancel the Service Contract the refund will be based on one hundred percent (100%) of the unearned pro rata purchase price.

OREGON: If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185. In the event You have an emergency situation and are unable to reach Us, you may proceed with repairs. We will reimburse You in accordance with the Service Contract provisions.

SOUTH CAROLINA: If the Administrator cancels the Service Contract, the Administrator will mail a written notice to You at Your last know address at least fifteen (15) 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 provider fee or a material misrepresentation by You relating to the covered property or its use. If the Provider fails to refund the purchase price within forty-five (45) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185. You may notify the Department of Insurance at P. O. Box 100105, Columbia, SC 29202-3105, 803-737-6180 with any complaints or questions regarding the Service Contract.

TENNESSEE: The expiration date of the Service Contract will automatically be extended by the duration that the covered product is withheld from Your use while being repaired, plus two (2) days.

TEXAS: If the Provider cancels the Service Contract, the Provider will mail a written notice to You at Your last know 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 provider fee or a material misrepresentation by You relating to the covered property or its use. If the Provider fails to refund the purchase price within forty-five (45) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

UTAH: Coverage afforded under this Service Contract is not guaranteed by the Property and Casualty Guaranty Association. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

VERMONT: If the Provider fails to refund the purchase price within forty-five (45) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185. This Service Contract shall be interpreted and enforced according to the laws of the State of Vermont.

WASHINGTON: If the Provider fails to refund the purchase price within thirty (30) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. The Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

WISCONSIN: THIS WARRANTY IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185. Claims paid or the cost of repairs performed shall not be deducted from the amount to be refunded upon cancellation of the Service Contract. A claim may not be denied solely because the contract holder did not obtain preauthorization.

WYOMING: If the Provider fails to refund the purchase price within forty-five (45) days after the Service Contract has been returned due to cancellation by You, the Provider will pay a 10% penalty per month to the holder. If the provider fails to pay or to provide service on a claim within 60 days after proof of loss has been filed, the Service Contract holder is entitled to make a claim directly to Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.

Florida Terms and Conditions

DEFINITIONS: "We", "Us", and "Our" indicate the issuing Dealer, the company obligated under this service contract. "You" and "Your" indicates the purchaser of this service contract or the person to whom it was properly transferred. "Administrator" indicates VAC Service Corporation of Florida, Inc., provider of services under the service contract. "Service Contract" indicates the terms and conditions, limitations, exceptions and exclusions included herein and constitute the entire agreement. Rights under this Service Contract may vary from state to state.

TERM AND COVERAGE: The term of the Service Contract commences at the date of purchase of the eligible covered product(s) and is inclusive of the manufacturer's warranty. This Service Contract does not replace the manufacturer's warranty, but provides certain additional benefits during the term of the manufacturer's warranty. After the manufacturer's warranty expires, this Service Contract continues to provide the manufacturer's benefits as well as certain additional benefits listed within this Service Contract. There is no deductible for this Service Contract.

IF YOU NEED SERVICE: Call 1-800-431-5843 and have Your Service Contract number available. Service will be available 24 hours a day, 7 days a week. The Administrator may perform a telephone diagnosis of the product failure. If Your covered product is deemed defective, at the Administrator's sole determination, You will be instructed as to the procedures for obtaining service applicable to Your covered product. You may be asked to provide proof of purchase as a condition for receiving service under this Service Contract. YOUR ORIGINAL PURCHASE RECEIPT SHOULD BE KEPT WITH THIS SERVICE CONTRACT IN A SAFE PLACE.

WHAT IS COVERED: Subject to the terms and conditions of the Service Contract, service performed under the Service Contract shall consist of labor and parts necessary to restore Your product to normal operating condition. The Service Contract provides coverage for the repair or replacement (as applicable) of the covered product resulting from failures that occur during normal use and operation in accordance with the manufacturer's written specifications. Your product must be readily accessible in order for service to be performed. The Service Contract provides coverage only for the product(s) listed on Your schedule page and/or sales receipt.

POWER SURGE PROTECTION: This service contract protects against operational or mechanical failure of a covered product resulting from a power surge, while properly connected to a surge protector approved by the Underwriter's Laboratory. Your surge protector may be collected by the Administrator for examination.

NO LEMON COVERAGE: If after the manufacturer's warranty period expires, Your covered product fails three (3) times due to the same parts failure, on an individual product, and that product requires a fourth repair, as determined by the Administrator, the Administrator will replace the failed product with a product of like kind and similar features or the Administrator may elect to pay You a cash settlement. The cash settlement amount shall not exceed the actual cash value of the covered product in operating condition at the time of the claim excluding taxes. You may be required to return the original defective product to the Administrator at Your expense. Replacement of a covered product or payment of a cash settlement will fulfill this agreement in its entirety and will cancel and discharge further obligations under the Service Contract, where allowed by law. Preventative maintenance checks, cleanings, product diagnosis, customer education, accessory repairs or replacements are not considered repairs for the purposes of the No Lemon Coverage.

TYPES OF SERVICE AND SERVICE LOCATION: In the event that You purchased In-Home/On-Site service as indicated on Your Schedule page and/or sales receipt, repairs will normally be performed at Your residence. In the case that some work must be completed at the repair center, the Administrator will reimburse You for transportation or shipping of Your product or component to the repair center. If You live beyond a thirty-five (35) mile radius of an authorized repair center, You may be required to ship/transport the product to the designated repair center; however shipping/transportation charges will be covered by the Service Contract. In-Home/On-Site service shall normally be available and rendered during the regular working hours and workweek of the authorized service provider. An adult of legal age must be present at the location where on-site service will be performed. You must provide a safe environment for the service provider in order to receive service. In-Home/On-site service is not available for, but not limited to, the following items: printers, scanners, fax machines, personal digital assistants, external hard drives, CD/DVD ROM's, external memory and storage devices, consumer electronics products excluding televisions greater than 27", small appliances and or similar products.

SERVICE CONTRACT LIMITS OF LIABILITY; AGGREGATE LIMIT: The total payment(s) for all claims under this contract shall not exceed the actual cash value of the covered product or system in operating condition at the time of the claim excluding taxes.

REPLACEMENT OPTION: At the Administrator's sole option, Your covered product may be replaced with a new or reconditioned product of like kind and similar features. The price of the replacement product shall not exceed the retail purchase price of the original covered product. The Administrator's responsibility is to replace Your product with a product of similar features, capacity and/or efficiency. The Administrator will not be responsible for product upgrades, matching brand or color or for any modifications or construction that may be necessary as a condition of service. If the Administrator elects to replace rather than repair Your covered product and a replacement product as described above is not available, the Administrator will pay You a cash settlement. The cash settlement amount shall not exceed the actual cash value of the covered product in operating condition at the time of the claim excluding taxes. You may be required to return the original defective product to the Administrator at Your expense. Replacement of a covered product or payment of a cash settlement will fulfill this agreement in its entirety and will cancel and discharge further obligations under the Service Contract, where allowed by law.

YOUR RESPONSIBILITIES UNDER THE SERVICE CONTRACT: For the Service Contract to remain valid and active, You must maintain Your covered product in accordance with the requirements set forth by the manufacturer's specifications, including maintenance and cleaning. You must provide proper electrical requirements as specified by the manufacturer. You must assure full cooperation with the Administrator and authorized service provider during any telephone diagnosis and repair of the covered product including accessibility of the covered product.

1. Any new products with less than an original ninety (90) day manufacturer's parts and labor limited warranty and/or refurbished products.
2. Consumer replaceable items including but not limited to; light bulbs, fuses, replaceable fluids, hoses, belts, bags, batteries, ribbons, cartridges, printer heads, or any other parts or materials which are designed to be consumed during the life of the product.
3. Failures of the following non-operational components such as but not limited to: cabinetry and cabinet frames, decorative finishing, door liners, glass, custom fronts for appliances, handles, knobs, masks, racks, rollers, shelves, software, media and cosmetic damage.
4. Damage resulting from unauthorized repair; improper gas or water connections, or electrical wiring and connections; damage caused during delivery, improper installation, or setup; user facilitated minor adjustments and settings outlined in the product's owners manual; inaccessible products or parts; negligence, misuse or abuse.
5. Failures due to corrosion, rust, dust, animal or insect damage; Acts of God such as fire, water, windstorm, sand, dirt, hail or earthquake; civil disorders; riot; nuclear accident; accidental physical damage by any external cause; malicious mischief; theft or vandalism.
6. Your failure to follow the instructions described in the product's owner's manual, manufacturer's recommended maintenance procedures, requirements and misuse or abuse of the product.
7. Any service request, which results in customer education or no problem found diagnosis.
8. Failure, inoperability, or disruption of any product or product functions due to any manufacturer recall.
9. Products used for commercial purposes, public usage, rental, or communal use in multi-family housing, Use of a product for these purposes or in these settings will void this Service Contract.
10. Conditions, which existed prior to Your purchase and delivery of the product or the Service Contract. Special, indirect, incremental, or consequential damages; loss of use.
11. Any service request or situation which may pose a health risk to the Administrator's technicians or service providers, including but not limited to insect infestation, mold, or fungus; whether or not such circumstances were a result of a covered failure.
12. Any cost associated with tearing apart walls, cabinetry, etc. to access wiring, components, etc. associated with custom installations of major appliances.
13. Loss or damage to stored data, loss or damage due to computer viruses and computer hardware or software that is added after the original purchase date as indicated on your sales receipt.
14. IN NO EVENT SHALL THE ADMINISTRATOR, OR OBLIGOR OF THIS SERVICE CONTRACT OR THE RETAILER FROM WHOM YOU PURCHASED THE SERVICE CONTRACT BE LIABLE FOR SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES WHICH INCLUDE, BUT ARE NOT LIMITED TO, ANY DELAY IN RENDERING SERVICE, LOSS OF DATA, OR LOSS OF USE DURING THE REPAIR PERIOD OF THE PRODUCT (S) OR WHILE OTHERWISE AWAITING PARTS.

REPLACEMENT PARTS: In connection with the repair service for a covered product as provided under this Service Contract, the authorized service provider or its designee, at its sole discretion, may use replacement parts which are new or rebuilt parts that perform to the factory operational specifications of the product. The use of non-original manufacturer parts is permitted under the Service Contract.

REPEAT SERVICE: If Your covered product should require service more than once within a sixty (60) day period, the service must be performed by the original authorized service provider.

AVAILABILITY OF SERVICE AND DELAYS: Service will normally be available during the normal work hours and workdays of the authorized service providers. The Administrator will make a reasonable effort to provide timely service or repair of Your product, however We cannot be held liable for service delays beyond the Administrator's control or any damages that may arise out of delays including but not limited to consequential damages. In the event that Your service is delayed more than thirty (30) business days, the expiration date of Your Service Contract will be extended by the repair time in excess of thirty (30) days. In the case of an emergency outside normal working hours, reasonable efforts will be made to expedite service for those situations.

MANUFACTURER'S WARRANTY: Parts and services covered during the manufacturer's warranty period are the responsibility of the manufacturer as described under the manufacturer's expressed warranty. The Administrator may cover other parts and services not covered by the manufacturer's warranty and as described in the Service Contract. The Administrator will refer You to the manufacturer for parts and services covered under the manufacturer's warranty.

RENEWALS: The Administrator may, at their option, renew Your Service Contract. The Administrator is not required or obligated to offer You another Service Contract. In the event You are offered a renewal Service Contract, You will be notified of the terms and conditions and the Service Contract fees that will apply to the renewal.

TRANSFER: This Service Contract may be transferred to an eligible party to whom You sell or give the equipment while this Service Contract is in force. This may be accomplished only if You notify the Administrator by mail with the name and address of the new owner within 15 days of the change of ownership.

CANCELLATION: You may cancel this contract for any reason at any time. To cancel Your Service Contract, contact the retail store where You purchased the Service Contract. You will receive a refund equal to ninety percent (90%) of the unearned pro rata purchase price less any claims that have been paid or less the cost of repairs of the product. If the Administrator cancels the Service Contract, You will receive one hundred percent (100%) of the unearned pro rata purchase price. The Administrator may cancel this Service Contract at its option on the basis of fraud or misrepresentation. THIS SERVICE CONTRACT IS ADMINISTERED BY VAC SERVICE CORPORATION OF FLORIDA, INC., 334 County Route 49, P. O. Box 730, Middletown, NY 10940-0730.

Note: This Service Contract is not a contract of insurance; however the obligations under this Service Contract are insured by a contractual liability insurance policy provided by Dealers Assurance Company, 3518 Riverside Drive, PO Box 21185, Columbus, OH 43221-0185.