GoPro Care Service Contract -- Karma + H5

Terms & Conditions

These contract terms and conditions (the "Contract") govern the Program, so You should keep this Contract for future reference. If this Contract is purchased via telephone, internet or by other electronic means, this Contract is deemed to have been purchased in the state identified in the shipping address at the time you purchase the Contract (“Original Shipping Address”).

PLEASE READ THIS CONTRACT CAREFULLY AND COMPLETELY, AS IT AFFECTS YOUR RIGHTS. THIS CONTRACT CONTAINS AN ARBITRATION AGREEMENT THAT REQUIRES, IN MOST STATES, THE RESOLUTION OF ANY DISPUTES WITH US BY ARBITRATION RATHER THAN BY COURTS; PLEASE SEE THE PARAGRAPH ENTITLED “ARBITRATION AGREEMENT” BELOW. THIS CONTRACT ALSO CONTAINS PROVISIONS THAT LIMIT OUR LIABILITY TO YOU; PLEASE SEE THE PARAGRAPH ENTITLED “LIMITATION OF LIABILITY” BELOW.

Agreement. You agree to all the provisions of this Contract when You purchase coverage under the Program. If You provide Us Your e-mail address, We may, at Our discretion, deliver to you via electronic means any notice provided for in this Contract. Your participation in the Program is optional and You may cancel the Program at any time; for more information, please refer to the section entitled “Cancellation” below.

Definitions.
1. “Activation” or “Activated” means the registration of Your Covered Equipment with Us using the activation code we send you following your purchase of a Contract. To complete Activation, You must provide certain information that We request from you, such as the serial number of the Covered Equipment, information from your Receipt, and flight logs for validation. Once Activation is complete, Your Covered Equipment will be covered under the Program beginning on the Effective Date.
2. “Covered Equipment” means the Eligible Equipment which is registered with us upon Activation of the Contract.
3. “Eligible Equipment” means only new GoPro®-manufactured equipment (including mounts and accessories) that is purchased within sixty (60) days of Contract purchase and is on the list of devices eligible for coverage under this Contract at the time of Contract purchase. For a list of eligible devices, please visit www.gopro.com/care/eligible.
4. “Manufacturing Defect” means a manufacturing defect in the Covered Equipment that is covered by the GoPro® warranty. For more information on the GoPro® warranty, please visit www.gopro.com.
5. “Accidental Damage from Handling” means an operational, mechanical, or structural failure that is the result of an unexpected and unintentional external event (e.g., drops and liquid contact) that arises from Your normal daily usage of the Covered Equipment as intended for such Covered Equipment. Accidental Damage from Handling does not include lost or stolen Covered Equipment.
6. “Replacement Equipment” means the equipment which We provide to You in the event of a covered Manufacturing Defect or Accidental Damage from Handling of the Covered Equipment which:
  1. Is of like kind and quality to the Covered Equipment;
  2. Is either new or refurbished, and may contain original or nonoriginal parts; and
  3. May be a different model or color than the Covered Equipment
7. “User Replaceable Components” means certain components of the Covered Equipment that can be replaced by You without returning the Covered Equipment to Us. User Replaceable Components are considered Covered Equipment.
8. “Effective Date” is the date of purchase of the Covered Equipment as identified on Your Receipt.
9. The “Program” means the services that We provide to You as described in this Contract.
10. “Receipt” means your receipt for the transaction in which you purchased the Covered Equipment which identifies, at a minimum, the date of purchase and the type of Covered Equipment.
11. ”We”, “Us”, and “Our” means GoPro Care, Inc. for Contracts with an Original Shipping Address in all states except Florida, Oklahoma, or Washington. For Contracts with an Original Shipping Address in Florida, Oklahoma, or Washington, “We”, “Us”, and “Our” means GoPro Care Services, Inc. You can write to Us at 3000 Clearview Way, San Mateo, California, 94402, or call Us at (650) 332-7600, or toll free at (888) 600-4659.
12. “You” and “Your” means the person who purchased this Contract, or any subsequent owner of the Covered Equipment to whom this Contract is properly transferred pursuant to this Contract.
What is Covered? If a Manufacturing Defect or Accidental Damage from Handling of the Covered Equipment occurs during the Contract Period, We will replace it with Replacement Equipment. If the failure is caused by Accidental Damage from Handling, a Claim Service Fee as set forth below will be assessed upon replacement of the Covered Equipment. Once shipped, the Replacement Equipment immediately becomes the Covered Equipment for the remainder of the Contract Period.

Additionally, the Program includes GoPro Care Premium Support. GoPro Care Premium Support may include, but is not limited to, priority handling of calls and claims, extended service call hours, and advice on the operating the Covered Equipment. You will only have access to GoPro Care Premium Support during the Contract Period. GoPro Care Premium Support services provided are subject to change from time to time; for a full list of current GoPro Care Premium Support services visit www.gopro.com/care.
Contract Period. Following Activation, Your coverage under this Contract begins on the Effective Date and continues for a period of two (2) years.
Charges. If We do not receive full payment of amounts that You owe on the due dates described in this Contract, a late payment fee of 1.5% per month or the highest amount allowed by law, whichever is less, may be charged.
Accidental Damage From Handling – Specific Provisions
1. Claim Service Fee. In the event that We replace the Covered Equipment due to Accidental Damage from Handling, you will be charged a non-refundable claim service fee of $159 for Karma, $69 for Hero5 Camera, or $228 for a combined claim of Karma and Hero5 Camera (“Claim Service Fee”).
2. Limits. A maximum of two (2) replacements of Covered Equipment (i.e. limit of 2 total aggregate replacements for the Hero5 Camera and Karma) due to Accidental Damage from Handling will be allowed GoPro Care-Karma H5 8.23.16 Page 4 during the Contract Period. This limitation on maximum replacements applies only to Accidental Damage Handling and will not affect Your coverage under this Contract for Manufacturing Defects or Your ability to obtain GoPro Care Premium Support for the remaining Contract Period.
What is not Covered?

The Program does not cover:

Incidental or consequential damages;

Issues covered under the GoPro® manufacturer’s warranty while such warranty is in effect;

Loss, theft, abuse, misuse, improper installation, or customer negligence;

Normal wear and tear;

Cosmetic damage to the Covered Equipment, including but not limited to scratches and dents that do not otherwise affect the functionality of the Covered Equipment;

Damage resulting from use with batteries, power cables, or other battery charging/recharging accessories or devices not manufactured by GoPro®; and

Damage caused by the use of the Covered Equipment when using any other third-party accessory.

Further, Covered Equipment does not include and the Program does not cover:

A product with a serial number that has been altered, defaced or removed, or has been modified to alter its functionality or capability;

Contraband or property in the course of illegal transportation or trade;

Property in transit to You;

Consumable items, such as batteries (one standard battery will be provided with Replacement Equipment on claims approved for replacement of the Covered Equipment if the battery has also experienced a Manufacturing Defect or Accidental Damage from Handling);

Battery chargers (one standard wall charger will be provided with Replacement Equipment on claims approved for replacement of the Covered Equipment if the charger has also experienced a Manufacturing Defect or Accidental Damage from Handling); or

Any third-party accessories not manufactured by GoPro® including but not limited to mounts, memory cards or other external storage devices, color face plates, personalized data, or customized software.
To Obtain Service. In the event of a Manufacturing Defect or Accidental Damage from Handling of Covered Equipment, please contact Our Customer Support at (650) 332-7600 or toll free at (888) 600-4659, or visit www.gopro.com/support for assistance. You must file a claim within thirty (30) days of the occurrence of the Manufacturing Defect or Accidental Damage from Handling. Once Your claim is approved, We will provide the Replacement Equipment by mail (shipping times vary by location) and you must return the damaged Covered Equipment as described below.
Advanced Replacement Service. Advanced Replacement Service allows You to be shipped, at Our discretion, Replacement Equipment prior to Your return of the Covered Equipment. You may be required to submit a credit card pre-authorization charge prior to receiving any Replacement Equipment. Within fifteen (15) days of receipt of the Replacement Equipment, you must return the Covered Equipment to Us at Our expense in the return mailer We provide. If we do not receive the Covered Equipment within thirty (30) days of Your receipt of the Replacement Equipment, You will be responsible for paying the full retail price of the Replacement Equipment and a shipping and restocking fee, which may be charged to your credit card.
Charge for Non-Covered Claims. If We ship You Replacement Equipment under the Advanced Replacement Service, We will notify You within thirty (30) days of Your return of the Covered Equipment if We determine that the returned Covered Equipment did not suffer a Manufacturing Defect or Accidental Damage from Handling. In such an event, You will not be required to return the Replacement Equipment We provided to You, nor will We return Your original Covered Equipment. However, in such an event we may charge you (i) the full retail price of the model of Replacement Equipment We and (ii) a shipping and restocking fee. If you submit a claim for a Manufacturing Defect and we determine that Accidental Damage from Handling actually occurred, we will charge you a Claim Service Fee and we may charge a shipping and restocking fee.

Please contact Us at (650) 332-7600, or toll free at (888) 600-4659, or visit our website at www.gopro.com/support for the applicable shipping and restocking fee.
User Replaceable Components. If the Covered Equipment experiences a Manufacturing Defect or Accidental Damage from Handling, We may, in our sole discretion, send You User Replaceable Components that You can use to repair or replace the Covered Equipment. In such an event, You may, at our sole discretion, be required to return any Covered Equipment that are the subject of your claim.
Cancellation. This Contract may be cancelled by You for any reason at any time. You may cancel this Contract by contacting Us in writing at 3000 Clearview Way, San Mateo, California, 94402, or call Us at (650) 332-7600, or toll free at (888) 600-4659. If You cancel this Contract within thirty (30) days from Your purchase of this Contract (the “First 30 Days”), You will receive a refund or credit for the full Contract purchase price unless You had a covered claim during the First 30 days. In the event You had a covered claim during the First 30 days, Your refund will be the greater of the full Contract purchase price paid less the cost of any covered claim or 100% of the pro-rata unearned portion of the Contract purchase price paid, if any, based upon elapsed time. We may only cancel this Contract on the basis of nonpayment, fraud, misrepresentation, or substantial breach of duties by You. In the event We cancel this Contract, We will provide You with a written notice at least thirty (30) days prior to the effective date of cancellation, which notice will state the effective date of cancellation and reason for cancellation. Your refund will be 100% of the pro-rata unearned portion of the Contract purchase price paid, if any, based upon elapsed time if We cancel the Contract:

For residents of Alabama, Arkansas, California, Colorado, Hawaii, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nevada, New Jersey, New Mexico, New York, South Carolina, Texas, Washington, Wisconsin and Wyoming, any refund owed and not paid or credited within thirty (30) days of cancellation shall include a 10% penalty per month.
Transfer. This Contract may be transferred to any subsequent owner of the Covered Equipment during the Contract Period. To transfer this Contract, You must notify Us of the transfer and provide all information that we reasonably request from you to effectuate the transfer.
Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR LIABILITY SHALL BE LIMITED TO THE CHARGES ACTUALLY PAID BY YOU FOR THE PROGRAM. THIS IS YOUR SOLE REMEDY FOR ANY ERRORS, OMISSIONS OR OUR FAILURE TO PERFORM. ALL IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE ARE LIMITED TO THE DURATION OF THIS CONTRACT PERIOD. WE DISCLAIM ALL OTHER EXPRESSED OR IMPLIED WARRANTIES OR CONDITIONS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL OR PUNITIVE DAMAGES, HOWEVER CAUSED, ARISING OUT OF OR RELATED TO OUR OBLIGATIONS UNDER THIS PROGRAM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND INCLUDING BUT NOT LIMITED TO COSTS OF RECOVERING, REPROGRAMMING, OR REPRODUCING ANY PROGRAM OR DATA OR THE FAILURE TO MAINTAIN THE CONFIDENTIALITY OF DATA, OR ANY LOSS OF BUSINESS, PROFITS, REVENUE OR ANTICIPATED SAVINGS.

FOR CONSUMERS IN JURISDICTIONS WHO HAVE THE BENEFIT OF CONSUMER PROTECTION LAWS OR REGULATIONS, THE BENEFITS CONFERRED BY THIS PROGRAM ARE IN ADDITION TO ALL RIGHTS AND REMEDIES PROVIDED UNDER SUCH LAWS AND REGULATIONS. SOME STATES OR PROVINCES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Insurance. This Contract is not an insurance policy. Our obligations under this Contract are backed by Our full faith and credit.
Arbitration Agreement. Please read this Arbitration Agreement carefully, as it affects Your rights. Most of Your concerns about this Program can be addressed simply by contacting Us at (650) 332-7600 or toll free at (888) 600-4659. In the unlikely event We cannot resolve any disputes, including any claims under the Program, that You or We may have, YOU AND WE AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF THROUGH COURTS OF GENERAL JURISDICTION. YOU AND WE AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS ONLY. YOU AND WE AGREE TO WAIVE THE RIGHT TO A TRIAL BY JURY. Arbitration uses a neutral arbitrator instead of a judge or jury. It has more limited discovery than in court and is subject to limited review by courts.

For the purpose of this Arbitration Agreement, references to “We”, “Us” and “Our” include GoPro Care, Inc. or GoPro Care Services, Inc. (as applicable) and their respective parents, subsidiaries, affiliates, service contract insurers, agents, employees, successors and assigns. This Contract evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreemment. This Arbitration Agreement shall survive the termination of this Contract.

This Arbitration Agreement is intended to be interpreted broadly, and it includes any dispute: (1) arising out of or relating in any way to this Program or to the relationship between You and Us, whether based in contract, tort, statute, fraud, misrepresentation or otherwise; (2) that arose either before this Arbitration Agreement or Contract was entered into by You and Us or that arises after this Contract is terminated; and (3) that currently is the subject of a purported class action litigation in which You are not a member of a certified class. Notwithstanding the foregoing, this Arbitration Agreement does not preclude You from bringing an individual action in small claims court or from informing any federal, state or local agencies or entities of Your dispute. Such agencies or entities may be able to seek relief on Your behalf.

If You or We intend to seek arbitration, You and We must first send to the other a written notice of claim (“Notice”) by certified mail. Your Notice to Us should be addressed to GoPro Care, Inc., 3000 Clearview Way, San Mateo, California, 94402. The Notice must describe the dispute and state the specific relief sought. If You and We do not resolve the dispute within thirty (30) days of receipt of the Notice, You or We may initiate an arbitration proceeding with the American Arbitration Association (“AAA”). You can obtain the forms necessary to initiate an arbitration proceeding by visiting www.adr.org or by calling 1-800-778-7879. After We receive notice that You have commenced arbitration, We will reimburse You for payment of any filing fee to the AAA. If You are unable to pay a required filing fee, We will pay it if You send a written request by certified mail to: 3000 Clearview Way, San Mateo, California, 94402. The arbitration shall be administered by the AAA in accordance with the AAA Consumer Arbitration Rules (the “Arbitration Rules”) in effect at the time the arbitration is initiated and as modified by this Arbitration Agreement. You can obtain a copy of the Arbitration Rules by visiting www.adr.org or by calling 1-800-778-7879.

The arbitrator appointed by the AAA to decide the dispute is bound by the terms of this Arbitration Agreement. All issues are for the arbitrator to decide, including the scope of this Arbitration Agreement, with the exception that issues relating to the enforceability of this Arbitration Agreement may be decided by a court. Unless You and We agree otherwise, any arbitration hearings will take place in the county or parish of Your billing address. If Your dispute is for $10,000 or less, You may choose to conduct the arbitration hearings either by submitting documents to the arbitrator or by appearing before the arbitrator in person or by telephone. If Your dispute is for more than $10,000, the right to arbitration hearings will be determined by the Arbitration Rules. We will pay all filing, administration and arbitrator fees for any arbitration initiated pursuant to this Arbitration Agreement, unless Your dispute is found by the arbitrator to have been frivolous or brought for an improper purpose under Federal Rule of Civil Procedure 11(b). In that case, the payment of such fees shall be governed by the Arbitration Rules.

At the conclusion of the arbitration hearings, the arbitrator shall issue a written decision which includes an explanation of the facts and law upon which the decision is based. You and We agree not to disclose any settlement offers to the arbitrator until after the arbitrator has issued the written decision. The arbitrator may resolve any disputes regarding attorney's fees and expenses either during the arbitration hearings or, upon request, within fourteen (14) days of the arbitrator's written decision. Neither You nor Your attorney may recover duplicate awards of attorney’s fees and expenses. Although We may have the right under applicable law to recover attorney’s fees and expenses from You if We prevail in the arbitration, We hereby waive the right to do so.

To the extent either declaratory or injunctive relief is sought in the arbitration, such relief can be awarded only to the extent necessary to provide the relief warranted by a party's individual claim. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless You and We agree otherwise, the arbitrator may not consolidate the dispute of another person with Your or Our dispute and may not preside over any form of a representative or class proceeding. If this paragraph of this Arbitration Agreement is found to be unenforceable, then the entirety of this Arbitration Agreement shall be null and void. If any other paragraph of this Arbitration Agreement is found to be unenforceable, then the remainder of the Arbitration Agreement shall remain in effect.
State specific provisions:
In Arizona: Neither We, Our assignees, nor Our subcontractors will cancel or void coverage under this Contract before the expiration of the Contract Period due to Our failure to provide correct information or Our failure to perform the services provided in a timely, competent, and workmanlike manner. The section entitled “Cancellation” is amended as follows: If this Contract is terminated before the expiration of the Contract Period, no deductions for claims paid will be made to Your refund.

In California: This Contract does not covered preventative maintenance of any covered equipment. The section entitled “Cancellation” is amended as follows: This Contract may be cancelled by You for any reason at any time. You may cancel this Contract by contacting Us in writing at 3000 Clearview Way, San Mateo, California, 94402, or call Us at (650) 332-7600, or toll free at (888) 600- 4659. If You cancel this Contract within thirty (30) days from You recieve this Contract (the “First 30 Days”), You will receive a refund or credit for the full Contract purchase price unless You had a covered claim during the First 30 days. In the event You had a covered claim during the First 30 days, or You cancel this Contract after the first 30 days, Your refund will be the greater of the full Contract purchase price paid less the cost of any covered claim or 100% of the pro-rata unearned portion of the Contract purchase price paid, if any, based upon elapsed time. If this Contract is cancelled, any refund owed and not paid or credited within thirty (30) days of cancellation shall include a 10% penalty for each 30-day period or fraction thereof that the refund remains unpaid. The section entitled “arbitration Agreement” is amended as follows: (1) Pursuant to California Civil Code sections 51.7 and 52.1, the option to enter into arbitration is solely at the discretion of the contract holder; (2) If arbitration is elected, this does not waive the right of California consumers to file and pursue civil action or complaint; (3) If any statement found within this contract contradicts this section, this section shall take precedence.

In Connecticut: The term of this Contract will be automatically extended for the period during which the Covered Equipment is in the custody of a service center for repair. Contact Us at (650) 332-7600 or toll-free at (888) 600-4659 with questions, concerns, or complaints about the Program. You may mail Your complaint to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, Connecticut 06142-0816, Attention: Consumer Affairs.

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

In< Georgia: In the event We cancel this Contract, We shall provide You with a written notice at least thirty (30) days prior to the effective date of cancellation, which notice shall state the effective date of cancellation, reason for cancellation, and shall conform to the requirements of Georgia Code § 33-24-44.

In Nevada: Please refer to the GoPro Care Bill of Sale for the purchase price of this Contract. This Contract is not renewable. The section entitled “What is not Covered” is amended to include the following: This contract will not cover any pre-existing conditions, including Manufacturing Defects or Accidental Damage from Handling that occurred prior to the Effective Date of this Contract. This Contract will not cover any unauthorized or non-manufacturer-recommended modifications to the Covered Product, or any damages arising from such unauthorized or non-manufacturer-recommended modifications. However, if the Covered Product is modified or repaired in an unauthorized or non-manufacturerrecommended manner, We will not automatically suspend all coverage. Rather, this Contract will continue to provide any applicable coverage that is not related to the unauthorized or non-manufacturer-recommended modification or any damages arising therefrom, unless such coverage is otherwise excluded by the terms of this Contract. The section entitled “Arbitration Agreement” is deleted in its entirety. The section entitled “Cancellation” is amended as follows: If You cancel this Contract within thirty (30) days from the date this Contract was delivered to You (the “First 30 Days”), You will receive a refund or credit for the full Contract purchase price unless You had a covered claim during the First 30 days. In the event You had a covered claim during the First 30 days, Your refund will be 100% of the pro-rata unearned portion of the Contract purchase price paid, if any, based upon elapsed time. We will not deduct the cost of claims paid or services provided from any refund amount due under this Contract. We may only cancel this Contract on the basis of nonpayment, fraud, misrepresentation, or substantial breach of duties by You. In the event We cancel this Contract, We will provide You with a written notice at least thirty (30) days prior to the effective date of cancellation, which notice will state the effective date of cancellation and reason for cancellation. Your refund will be 100% of the pro-rata unearned portion of the Contract purchase price paid based upon elapsed time. We will not deduct the cost of claims paid or services provided from any refund amount due under this Contract. We will not impose a cancellation fee if We cancel this Contract

In New Hampshire: In the event You do not receive satisfaction under this Contract, You may contact the State of New Hampshire Insurance Department, 21 South Fruit Street, Suite 14, Concord, New Hampshire 03301, telephone number, 800.852.3416.

In Oregon: The section entitled “Arbitration Agreement” is amended as follows: If arbitration does occur under this Contract, arbitration will occur in Oregon, unless another location is mutually agreed upon by You and Us, and the arbitration will be conducted under the laws of Oregon.

In New Mexico: If this Contract is cancelled, any refund owed and not paid or credited within sixty (60) days of cancellation shall include a 10% penalty for each thirty (30) day period or portion thereof that the refund remains unpaid. If this Contract has been in force for a period of seventy (70) days, We may not cancel this Contract unless: (1) You fail to pay any amount due; (2) You are convicted of a crime which results in an increase in the service required under the Contract; (3) You engage in fraud or material misrepresentation in obtaining this Contract; (4) You commit any act, omission, or violation of any terms of this Contract after the Effective Date of this Contract which substantially and materially increases the service required under this Contract; or (5) any material change in the nature or extent of the required service or repair occurs after the Effective Date of this Contract and causes the required service or repair to be substantially and materially increased beyond that contemplated as of the Effective Date. If this Contract is terminated prior to its expiration, no deductions for the cost of any covered claims paid will be made to Your refund.

In Oklahoma: This is not an insurance contract. Coverage provided under this Contract is not guaranteed by the Oklahoma Insurance Guaranty Association.

In South Carolina: In the event You do not receive satisfaction under this Contract, complaints or questions about this Program may be directed to the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina 29202-3105, telephone number, 803-737-6160.

In Texas. If You purchased this Contract in Texas, unresolved complaints concerning a provider or questions concerning the registration of a service contract provider may be addressed to the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711.

In Washington: Any arbitration proceedings held pursuant to this Contract will be held at a location in closest proximity to Your permanent residence.

In Wisconsin: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.

In Wyoming: This Contract shall be governed by the laws of the State of Wyoming. The section entitled “Arbitration Agreement” is amended as follows: Arbitration shall only be required upon mutual agreement by Us and You to submit any controversy or claim arising out of or relating to this Contract, or a breach hereof, to non-binding arbitration and shall take place in Your county of residence or other mutually agreed upon location in Wyoming. The section entitled “Cancellation” is amended as follows: If You cancel this Contract within thirty (30) days from the date this Contract was delivered to You (the “First 30 Days”), You will receive a refund or credit for the full Contract purchase price unless You had a covered claim during the First 30 days. In the event You had a covered claim during the First 30 days, Your refund will be the greater of the full Contract purchase price paid less the cost of any covered claim or 100% of the pro-rata unearned portion of the Contract purchase price paid, if any, based upon elapsed time. We may only cancel this Contract on the basis of nonpayment, fraud, misrepresentation, or substantial breach of duties by You. In the event We cancel this Contract, We will provide You with a written notice at least thirty (30) days prior to the effective date of cancellation, which notice will state the effective date of cancellation and reason for cancellation. Your refund will be 100% of the pro-rata unearned portion of the Contract purchase price paid based upon elapsed time.

[ADDITIONAL STATE-SPECIFIC ENDORSEMENTS TO BE INCLUDED IN OTHER STATES WHERE APPLICABLE]