ACUERDO DEL PLAN DE REEMPLAZO DE PRODUCTOS

This Replacement Product Plan Agreement ("Agreement") is not an insurance contract. Unless otherwise regulated under state law, the contents of this Agreement should be interpreted and understood within the meaning of a "service contract" in Public Law #93-637

“We”, “Us” and “Our” mean the company obligated under this Agreement, Federal Warranty Service Corporation (“FWSC”) P.O. Box 105689, Atlanta, GA 30348-5689, 1-877-881-8578 and in Oklahoma, Assurant Service Protection, Inc., P. O. Box 105689, Atlanta, GA 30348-5689, 1-877-881-8578. “You” and “Your” means the purchaser of this Agreement, including the Lessee, if the Product was acquired under a lease-to-own arrangement (“LTO Arrangement”).

For an LTO Arrangement “Lessee” means the payor customer leasing the Product and this Agreement; and “Lessor” means the owner of the Product and payee of cash benefits under the Plan until You fulfill Your obligations under the LTO Arrangement necessary to acquire full ownership of the Product and this Agreement.

"Agreement" means this Agreement and includes Your invoice for the Product and the plan selected. "Retailer" means the store You purchased the Products covered under this Agreement from. "Product" means the consumer item which You purchased concurrently with and is covered by this Agreement. "Administrator" means Conn Appliances, Inc. ("Conn's"), 3295 College Street, Beaumont, Texas 77701 1-800-280-1514.

In consideration of the amount paid on the invoice for this Agreement, and except as hereinafter provided, should Your Product require replacement, We will make the necessary replacement of the Product identified on the invoice referenced above, of which this Agreement is an integral part, as provided below in Paragraph 3.

"Replacement" means the exchange of a defective Product with a new product of equal or similar features and functionality up to the purchase price of the original Product. Nos reservamos el derecho de seleccionar el fabricante y el modelo del producto de reemplazo.

ESTE ACUERDO DE PLAN DE REEMPLAZO ESTARÁ EN VIGENCIA DURANTE EL TÉRMINO DE LA GARANTÍA DEL FABRICANTE, Y A PARTIR DE ENTONCES HASTA FINALIZAR EL TÉRMINO DEL ACUERDO; NO REEMPLAZA LA GARANTÍA DEL FABRICANTE, PERO PROPORCIONA CIERTOS BENEFICIOS ADICIONALES DURANTE EL TÉRMINO DE TAL GARANTÍA.

TÉRMINOS Y CONDICIONES

    1. Term: For the Replacement Product Plan, the term of this Agreement begins on the date of purchase and continues for a period of 2 years or until a claim is paid, whichever occurs first. The amount paid for this Agreement is stated on Your invoice.
    2. Cobertura: We will replace the Product, as specified in Section 3, when required due to a mechanical or electrical breakdown during normal usage, including those experienced during normal wear and tear. También se cubre todo desperfecto mecánico o eléctrico que ocurra como resultado directo de una sobrecarga de energía.
    3. Replacement: If Your Product requires replacement, return it to Conn's nearest retail store for determination that Your Product is defective and requires replacement. If there is a dispute as to whether Your Product is defective and requires replacement, then You and FWSC will determine Your rights under this Agreement as described in Paragraph 11 or 12 below. If it is determined that Your Product requires replacement, then the provisions of Paragraph 5 shall be followed.
    4. LTO Arrangement: If You acquired the Product and this Agreement through a lease under a LTO Arrangement, You are entitled to all non-cash benefits under this Agreement until You acquire full ownership of this Agreement and the Product. Until You acquire full ownership of this Agreement and the Product, any rights to a cash settlement or cancellation refund under this Agreement will belong exclusively to the Lessor. Upon acquiring full ownership of this Agreement and the Product, You are entitled to all benefits under this Agreement.
    5. Limit of Liability: The Limit of Liability under this Agreement is the purchase price of the original Product. A discreción de FWSC, podremos elegir reemplazar un artículo con cobertura o emitir un crédito en la tienda por el precio de compra de Su artículo, en lugar de repararlo. La decisión de reemplazar o de emitir un crédito en lugar de reparar los artículos es exclusivamente Nuestra. En caso de que decidamos reemplazar un artículo, el reemplazo será por un modelo base que cumpla con todas las normas mínimas del fabricante exigidas a nivel nacional, que lleve a cabo la misma función primaria, y que tenga la capacidad comparable con el artículo cubierto, cuando esté disponible en Conn's.
    6. - En lo que respecta a todas las compras en liquidación, por cierre, con rasguños o abolladuras, o compras "en el estado en que se encuentren los productos", si decidimos reemplazar un artículo, en lugar de repararlo, el crédito de la tienda podrá ser entregado por el monto del precio de compra original para que Usted vuelva a elegir un producto similar de Conn's.

      - With respect to appliances and consumer electronics, We will make reasonable efforts to provide replacement items of similar mechanical capabilities and/or efficiency of the original unit, when available at Conn's. We are not liable to provide exact match in color, dye, lot, material, type or brand. If We determine that the defective item or a comparable item is no longer available at Conn's, at Our discretion, We may elect to give you a store credit. En dichos casos, el monto por ese crédito será igual al monto de compra original del artículo que resultó defectuoso. For any replacement system, We are not responsible for the cost of the construction, modifications, or carpentry made in order to accommodate the replacement, nor for any costs to upgrade or modify items for any reason.

      - With respect to all furniture, We will make reasonable efforts to provide an exact match, when available at Conn's. No somos responsables de proporcionar un artículo idéntico en cuanto a color o tinte para resolver un posible descoloramiento de otros muebles que pueda haber ocurrido con el paso del tiempo. Si el mueble defectuoso ya no está disponible en Conn's, podremos entregarle un crédito de la tienda, a Nuestra discreción. En dichos casos, el monto por ese crédito será igual al monto de compra original del artículo que resultó defectuoso.


The Limit of Liability terms stated above are further subject to the LTO Arrangement terms found in section 4 above.
    1. Rights to Replaced Product: All defective Products will become Our property, should We elect to exercise Our rights to the property.
    2. Exclusiones: Este Acuerdo excluye, (a) periodic checkups and/or preventative maintenance as directed by the manufacturer except as provided herein; any deficiencies noted on the invoice; (b) parts or repairs due to normal wear and tear unless tied to a breakdown and items normally designed to be periodically replaced by You during the life of the Product, including but not limited to batteries, light bulbs, etc.; (c) damage, abuse, misuse, accidental damage, mishandling, introduction of foreign objects into the Product; (d) unauthorized modifications or alterations to a Product; (e) failure to follow the manufacturer’s instructions; (f) external causes including third party actions, fire, theft, insects/rodents, animals, exposure to weather conditions, earthquake, sand, dirt, hail, windstorm, flood, water, acts of god; (g) consequential loss of any nature; (h) loss or damage caused by war, invasion or act of foreign enemy, hostilities, rebellion, riot, civil war, strike labor disturbance, lockout, or civil commotion; (i) incidental, consequential or secondary damages or delay in rendering service under the Agreement, or loss of use during the period that the Product is at an authorized service center or otherwise awaiting parts; (j) any product used in a commercial setting or rental setting, other than in Your personal residential rental setting for personal or household use; (k) failures that occur outside the 50 states of the United States of America; (l) nonfunctional or aesthetic parts including but not limited to plastic parts, knobs, rollers, baskets, scratches, peeling and dents; (m) unauthorized repairs and/or parts; (n) cost of installations, set-up, diagnostic charges, removal of reinstallation of the Product, except as provided herein; (o) accessories used in conjunction with a Product; (p) any loss other than a covered breakdown of the Product; (q) service where no problem can be found; (r) breakdown which are not reported within the term of the Agreement; (s) failure as a result from rust or corrosion on any Product or part; (t) damage to clothing; (u) water and gas lines beyond the Product; (v) damage incurred while moving the Product to another location; (w) reimbursement of food loss due to natural spoilage or caused by misuse of the Product; (x) any storage media damaged by a malfunctioning part; (y) improper installation of components or peripherals; (z) repair or replacement of upgraded internal computer components when repair or replacement is required due to incompatibility of parts or incorrect installation; (aa) burned in phosphor in CRT or any other type of display; (bb) application programs, operating software or other software, loss of data or restorations of programs that You were responsible for back up prior for commencement of repair; (cc) corruption of any program, data or setup information resident on any hard drives and internal or external removable storage devices, as a result of the malfunctioning or damage of an operating part, or as a result of any repairs or replacement under this Agreement; (dd) color fading of picture for any television; (ee) plasma televisions in use at or above 6000 ft. above sea level; (ff) burned-in phosphor (including image ghosting), pixel burnout not in accordance with the manufacturer’s specifications; (gg) pre-existing conditions.
    3. Cancellation: You have the right to cancel at any time by contacting Conn's at a retail store or by writing to Conn's at 3295 College Street, Beaumont, TX 77701 or by email as provided at Conn's at www.conns.com. If You cancel Your Agreement within 30 days of receipt of Your Agreement, You can return to the Retailer for a full refund. If You cancel after 30 days of receipt of Your Agreement, please contact the Administrator. You will receive a pro-rata refund based on the time expired less a $25 cancellation fee, or 10% of the purchase price (whichever is less), less the cost of claims paid. We may not cancel this Agreement except for fraud or material misrepresentation by You in obtaining this Agreement or in presenting a claim for Product replacement, or non-payment by You; or if required to do so by a regulatory authority. Notice of such cancellation will be in writing and given at least 30 days prior to cancellation. If We cancel, the return premium is based upon 100% of the unearned pro-rata premium.

      The Cancellation terms stated above are further subject to the LTO Arrangement terms found in section 4 above.
    4. Transferencia : This Agreement is transferable with the Product by the original purchaser for the balance of the original replacement plan agreement protection period; or, under a LTO Arrangement, by the original Lessee who has acquired full ownership of this Agreement and the Product. The Product may be registered by mailing information to the Administrator, including the agreement reference number, date of new ownership, new owners name, complete address, and telephone number.
    5. Renewals: Este Acuerdo no es renovable.
    6. If you and FWSC through its Administrator cannot agree to a satisfactory resolution of any dispute regarding the repair of the Product covered by this Agreement, after the completion of the process described in Item 5 of this Agreement, and after reasonable efforts on the parts of you and FWSC through its Administrator to resolve any remaining issues, OR if you feel that FWSC or its Administrator is not complying with its obligations under this Agreement, the following actions are available to You under the terms of this Agreement. If You do not understand these provisions and actions We recommend You seek advice of an attorney to assist You in understanding Your rights of enforcement of the terms of this Agreement.
NOTIFICACIÓN DE ACUERDO DE ARBITRAJE

Este acuerdo estipula que todas las disputas entre usted y nosotros serán resueltas por mediación o

ARBITRAJE VINCULANTE.

De este modo, usted RENUNCIA A SU DERECHO A RECURRIR A UN TRIBUNAL para hacer valer o defender sus derechos en virtud de este contrato (EXCEPTO para asuntos que puedan ser llevados ante un TRIBUNAL PARA CONTROVERSIAS DE CUANTÍA MENOR).

  • Sus derechos serán determinados por un ÁRBITRO NEUTRAL y NO por un juez o jurado.
  • Usted tiene derecho a una AUDIENCIA IMPARCIAL, PERO los procedimientos de arbitraje son MÁS SIMPLES Y LIMITADOS QUE LAS NORMAS APLICABLES EN TRIBUNALES.
  • Las decisiones del árbitro son tan aplicables como cualquier orden judicial, y están sujetas a UNA REVISIÓN MUY LIMITADA POR PARTE DE UN TRIBUNAL.
  • Usted puede, aunque no está obligado, contratar un abogado para la mediación o el arbitraje.

PARA MÁS DETALLES,

* Lea la Sección de resolución de disputas a continuación

* Llame a la American Arbitration Association al 1-800-778-7879

* Para solicitar una mediación o arbitraje, vea el sitio web de la Asociación estadounidense de arbitraje en www.adr.org

  • The Dispute Resolution Program (Mediation and Arbitration):

Tal como se utiliza en esta Disposición, "Usted" y "Su" se refieren a la persona o personas nombradas en este Acuerdo, y todos sus herederos, supervivientes, sucesores y representantes. Y "Nosotros" se refiere al Deudor identificado anteriormente, y se considerará que incluye a todos sus agentes, afiliados, sucesores y cesionarios, y a cualquier proveedor o distribuidor de sus productos (incluyendo, sin limitación, a Conn's), y todos los distribuidores, concesionarios y empleados de cualquiera de las entidades anteriores.

Any and all disputes arising out of or relating to this Agreement or any prior agreement between the parties, including without limitation the breach of any such agreement(s), shall be resolved exclusively in accordance with the Dispute Resolution Program, the last step of which is binding arbitration before a single arbitrator.

Las partes primero deberán tratar de resolver cualquier disputa a través de negociaciones informales. En el caso de estos esfuerzos fallen, cualquiera de las partes podrá solicitar la mediación mediante notificación por escrito a la otra parte. Las mediaciones serán gestionadas por la American Arbitration Association ("AAA") de acuerdo con sus Procedimientos de mediación comercial, disponibles en el teléfono y el sitio web de la AAA mencionados anteriormente. La mediación tendrá lugar en un momento y un lugar conveniente para ambas partes o, si las partes no llegan a un acuerdo, en cualquier momento y lugar designado por el mediador de conformidad con los Procedimientos de Mediación Comercial.

Si la mediación no resuelve la disputa, o no se exige una mediación, todas las disputas deberán ser resueltas ya sea mediante 1) un arbitraje vinculante ante un solo árbitro o 2) si la disputa está dentro del alcance de su jurisdicción, un tribunal para controversias de cuantía menor. Los arbitrajes serán gestionados por la AAA de acuerdo con los procedimientos acelerados de las normas de arbitraje comercial y los procedimientos suplementarios para las disputas relacionadas con el consumidor en vigencia al momento de la presentación de la reclamación ante la AAA. Los términos de esta disposición prevalecerán sobre cualquier inconsistencia entre las normas de la AAA y esta disposición. Puede obtener una copia de las normas de la AAA llamando al (800) 778-7879 o visitando el sitio web de la AAA en www.adr.org. Los honorarios por el arbitraje serán establecidos por el árbitro de conformidad con los procedimientos suplementarios para las disputas relacionadas con el consumidor. El árbitro aplicará el derecho sustantivo pertinente y el estatuto de limitaciones aplicable, y proporcionará por escrito un fallo justificado y conclusiones de hecho y derecho. EL ÁRBITRO ESTÁ FACULTADO PARA OTORGAR CUALQUIER REPARACIÓN QUE ESTARÍA AL ALCANCE DEL TRIBUNALES DE CONFORMIDAD CON LA LEY O EN EQUIDAD, INCLUYENDO SIN LIMITACIÓN LOS RECURSOS EN VIRTUD DE CUALQUIER ESTATUTO DE PROTECCIÓN AL CONSUMIDOR APLICABLE. El arbitraje tendrá lugar en un lugar conveniente para ambas partes o, si las partes no llegan a un acuerdo, en cualquier momento y lugar designado por el árbitro de conformidad con los Procedimientos Suplementarios para las disputas relacionadas con el consumidor. Esta Disposición es parte de una transacción que involucra al comercio interestatal, y estará regida por la Ley Federal de Arbitraje, 9 U.S.C. § 1 et seqIf any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of the Arbitration Provision, except that in no event shall this Provision be amended or construed to permit class arbitration or arbitration on behalf of any individual other than You. This Arbitration Provision shall inure to the benefit of and be binding on You and Us and its Provision shall continue in full force and effect subsequent to and notwithstanding the expiration of termination of this Agreement.

Usted acepta que cualquier procedimiento de arbitraje solo tendrá en cuenta sus reclamaciones. Las reclamaciones de otras personas, o en su nombre, no serán arbitradas en ningún procedimiento que esté considerando Sus Reclamaciones.

Usted y Nosotros entendemos y aceptamos que debido a esta DISPOSICIÓN de arbitraje, ni usted ni nosotros tendremos el derecho a ir a tribunales, excepto según lo dispuesto anteriormente, o a tener un juicio por jurado o participar como miembro de ningún tipo de demanda colectiva relacionada con ninguna reclamación.

    1. Deducible: No hay deducible para este Acuerdo.

    1. Owners Obligation: You have a duty to protect the Product against further damage and comply with the instructions on the owner’s manual.

  1. The following state specific requirements apply if Your Agreement was purchased in one of the following states and supersede any other provision herein to the contrary:

Notice for Alabama residents: Insurance: Las obligaciones en virtud de este Acuerdo están garantizadas por una póliza de seguro emitida por la American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within 60 days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 1-800-852-2244. Free Look: You may, within 20 calendar days of receipt or 10 days of delivery of the Agreement, reject and return this Agreement. Si devuelve el Acuerdo dentro del período de tiempo correspondiente, si no se presentó ninguna reclamación, se le reembolsará el precio total de la compra. A 10% penalty per month will be added to a refund that is not paid or credited within 45 days after return of the Agreement. Esta disposición rige únicamente para el comprador original en este Acuerdo. The following is added to the Cancelación: provision: No claim incurred or paid shall be deducted from any Cancellation refund, regardless of who initiates the Cancellation. No es necesario dar aviso previo de la Cancelación si el motivo es la falta de pago del cargo de Proveedores o una tergiversación sustancial. En el aviso de Cancelación debe constar la fecha de vigencia y el motivo de la cancelación.

Notice for Arizona residents: The obligations under this Agreement are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157, 1-800-852-2244. The EXCLUSIONS section (gg) is deleted and replaced with the following: (gg) pre-existing conditions, except if such conditions were known or should reasonably have been known by Us or Our subcontractors. The following is added to the Cancellation provision: No claim incurred or paid will be deducted from any cancellation refund, regardless of who initiates the cancellation. All reference to a cancellation fee is deleted and replaced with a cancellation fee of ten percent (10%) of the gross amount paid for Your Agreement or twenty-five dollars ($25), whichever is less. We will not cancel or void this Agreement due to acts or omissions of Us or Our subcontractors for failure to provide correct information or to perform the services or repairs provided in a timely, competent, workmanlike manner, pre-existing conditions that were known or should have reasonably been known by Us or Our subcontractors, prior use, or unlawful acts relating to the Product or misrepresentation by the Administrator or its subcontractors or program ineligibility. The following is added to EL PROGRAMA DE RESOLUCIÓN DE DISPUTAS (MEDIACIÓN Y ARBITRAJE) provision: Arbitration cannot be an absolute dispute remedy and both parties must agree to arbitration. Esta disposición de arbitraje no prohíbe que un residente de Arizona siga el proceso para resolver reclamos de acuerdo a las disposiciones A.R.S. §20-1095.09, Prácticas desleales de comercio según se detalla por el Departamento de Seguro de Arizona. To learn more about this process, You may contact the Arizona Department of Insurance at 100 North 15th Avenue, Suite 102, Phoenix, AZ 85007-2624, Attn: Consumer Affairs.

Notice for Colorado residents: Insurance: Las obligaciones en virtud de este Acuerdo están garantizadas por una póliza de seguro emitida por la American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within 60 days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 1-800-852-2244. The Cancellation provision is amended as follows: If We cancel this Agreement, You will be provided with a written notice at least 30 days prior to cancellation at Your last known address, stating the effective date and reason for cancellation. Prior notice is not required if this Agreement is canceled for nonpayment by You, a material misrepresentation by You, or a substantial breach by You relating to the Product or its use. Free Look: You may within 20 calendar days of mailing of the Agreement, or 10 days if delivered at time of sale, reject and return this Agreement. Le será devuelto el precio total del acuerdo una vez que lo devuelva dentro del plazo aplicable, si no se ha hecho ninguna reclamación. A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the return of the Agreement. Esta disposición solo se aplica al comprador original.

Notice for Georgia residents:  Insurance: Las obligaciones en virtud de este Acuerdo están garantizadas por una póliza de seguro emitida por la American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within 60 days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 1-800-852-2244. Este acuerdo no proporciona cobertura para ninguna de las condiciones preexistentes conocidas por Usted que ocurran antes de la fecha de vigencia de este Acuerdo. This Agreement shall be noncancelable by the Administrator except for fraud, material misrepresentation, or failure to pay the consideration due therefore. The Cancellation provision is deleted and replaced with the following: You have the right to cancel at any time by contacting Conn's at a retail store or by writing to Conn's at 3295 College Street, Beaumont, TX 77701 or by email as provided at Conn's at www.conns.com. If You cancel Your Agreement within 30 days of receipt of Your Agreement, You can return to the Retailer for a full refund. If You cancel after 30 days of receipt of Your Agreement, please contact the Administrator. You will receive a pro-rata refund. We may not cancel this Agreement except for fraud or material misrepresentation by You in obtaining this Agreement or in presenting a claim for Product replacement, or non-payment by You. Notice of such cancellation will be in writing and mailed to You at Your last address known to Us at least 30 days prior to cancellation, stating the effective date of cancellation and reason for cancellation. If We cancel, the return premium is based upon 100% of the unearned pro-rata premium. If cancelled by Us and We fail to refund the unearned pro-rata Agreement purchase price by the cancellation effective date, We shall pay You a penalty equal to 25% of the unearned Agreement purchase price and interest equal to 18% per annum until such time that proper return is made, which penalty and interest must be paid at the time the return is made; provided however, the maximum amount of such penalty and interest shall not exceed 50% of the amount of the refund due. The penalty does not apply to nonpayment by You. Failure to provide such refund shall not invalidate the notice of cancellation. No claim incurred or paid nor any cancellation or administrative fees shall be deducted from any refund owed. NOTICE OF ARBITRATION AGREEMENT AND THE DISPUTE RESOLUTION PROGRAM (MEDIATION AND ARBITRATION) provisions are deleted in its entirety.

Notice for Louisiana residents: NOTICE OF ARBITRATION AGREEMENT AND THE DISPUTE RESOLUTION PROGRAM (MEDIATION AND ARBITRATION) provisions are deleted in its entirety.

Notice for New Mexico residents: Insurance: This Agreement is insured by American Bankers Insurance Company of Florida. If the Agreement provider fails to pay You or otherwise provide You with the covered service within 60 days of Your submission of a valid Claim, You may submit Your Claim to American Bankers Insurance Company of Florida at 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 1-800-852-2244. If You have any concerns regarding the handling of Your Claim, You may contact the Office of Superintendent of Insurance at 855-427-5674. The purchase of this Agreement is not required in order to purchase any Products. Free Look: You may, within 20 days of the date mailed or 10 days of delivery of the Agreement, reject and return this Agreement. Upon return of the Agreement within the applicable time period, if no claim has been made, the Agreement is void and You will be refunded the full purchase price. A 10% penalty of the purchase price will be added to the refund for each 30-day period or portion thereof that the refund, and any accrued penalties, is not paid or credited within 45 days after return of the Agreement. Esta disposición rige únicamente para el comprador original en este Acuerdo. The following is added to the Cancellation provision: We may not cancel this Agreement once it has been in effect for 70 days, except for the following conditions: failure by You to pay the Agreement Price; the conviction of You of a crime which results in an increase in the service required under the Agreement; fraud or material misrepresentation by You in purchasing the Agreement or obtaining service; the discovery of an act or omission, or a violation of any condition of the Agreement by You which substantially and materially increases the service required under the Agreement; or a material change in the nature or extent of the service required under the Agreement which occurs after the purchase of the Agreement and substantially and materially increases the service required beyond that contemplated at the time of purchase.

Notice for Nevada residents: Insurance: Las obligaciones en virtud de este Acuerdo están garantizadas por una póliza de seguro emitida por la American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within 60 days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 1-800-852-2244. Free Look: You may, within 20 days of receipt or 10 days of delivery of the Agreement, reject and return this Agreement. Si devuelve el Acuerdo dentro del período de tiempo correspondiente, si no se presentó ninguna reclamación, se le reembolsará el precio total de la compra. A 10% penalty per month will be added to a refund that is not paid or credited within 45 days after return of the Agreement. Esta disposición rige únicamente para el comprador original en este Acuerdo. If this Agreement is returned within the first 30 days of purchase and a refund is not credited within 45 days after the return, We shall pay the holder a penalty of 10% of the purchase price for each 30 day period or portion thereof that the refund, and any accrued penalties, remain unpaid. Esta disposición solo se aplica al comprador original. The following is added to the Cancellation provision: The purchase of the Agreement as a condition of approval of a loan or the purchase of goods is not permitted. No se descuentan reclamaciones ni reparaciones de los reembolsos. If We cancel, We will not deduct a cancellation fee. We may not cancel this Agreement once it has been in effect for 70 days, except for the following conditions: failure by You to pay the Agreement Price; the conviction of You of a crime which results in an increase in the service required under the Agreement; fraud or material misrepresentation by You in purchasing the Agreement or obtaining service; the discovery of an act or omission, or a violation of any condition of the Agreement by You which substantially and materially increases the service required under the Agreement; or a material change in the nature or extent of the service required under the Agreement which occurs after the purchase of the Agreement and substantially and materially increases the service required beyond that contemplated at the time of purchase. Esta disposición solo se aplica al comprador original. Exclusion (d) is deleted and replaced with the following: This Agreement will not cover any unauthorized or non-manufacturer-recommended modifications to the Product, or any damages arising from such unauthorized or non-manufacturer-recommended modifications. However, if the Product is modified or repaired in an unauthorized or non-manufacturer-recommended manner, We will not automatically suspend all coverage. Rather, this Agreement 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 Agreement.

Notice for North Carolina residents:Insurance: Las obligaciones en virtud de este Acuerdo están garantizadas por una póliza de seguro emitida por la American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within 60 days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 1-800-852-2244. The Purchase of this Agreement is not required either to purchase or obtain financing for the Product. The following is added to the Cancellation provision: We may not cancel this Agreement except for fraud or direct violation of the Agreement by You.

Notice for Oklahoma residents: Notice: Coverage afforded by this Agreement is not guaranteed by the Oklahoma Insurance Guaranty Association. The Obligor of this Agreement is Assurant Service Protection, Inc., P. O. Box 105689, Atlanta, GA 30348-5689. Oklahoma license number for Assurant Service Protection, Inc. is 862541. Insurance: The obligations under this Agreement are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157, 1-800-852-2244. The Cancellation provision is deleted and replaced with the following: You have the right to cancel at any time by contacting Conn's at a retail store or by writing to Conn's at 3295 College Street, Beaumont, TX 77701 or by Email as provided at Conn's at www.conns.com. If You cancel Your Agreement within 30 days of receipt of Your Agreement, and no claims have been paid, You can return to the Retailer for a full refund. If You cancel after 30 days of receipt of Your Agreement, or have made a claim within the first 30 days, please contact the Administrator. You will receive a pro-rata refund based on 100% of the unearned pro rata premium, less (a) 10% of the unearned pro rata premium or $25, whichever is less and (b) the actual cost of any service provided under this Agreement. We may not cancel this Agreement except for fraud or material misrepresentation by You in obtaining this Agreement or in presenting a claim for Product replacement, or non-payment by You; or if required to do so by a regulatory authority. Notice of such cancellation will be in writing and given at least 30 days prior to cancellation. If We cancel, the return premium is based upon 100% of the unearned pro-rata premium, less any claims that have been paid. NOTICE OF ARBITRATION AGREEMENT AND THE DISPUTE RESOLUTION PROGRAM (MEDIATION AND ARBITRATION) provisions are deleted and replaced with the following: NON-BINDING ARBITRATION: Read The Following Arbitration Provision ("Provision") Carefully. Limita algunos de sus derechos, incluido su derecho a obtener desagravio o reparación de daños mediante una acción judicial antes del inicio de un arbitraje no vinculante. Las disputas de las que sea objeto este Acuerdo quedarán sujetas a un proceso de arbitraje obligatorio, no vinculante. Para iniciar el arbitraje, usted o nosotros debemos presentar una solicitud de arbitraje por escrito a la otra parte. El arbitraje tendrá lugar ante un solo árbitro. Se administrará en concordancia con los procedimientos expeditivos de las reglas de arbitraje comercial ("Reglas") de la American Arbitration Association ("AAA") que estén en vigencia cuando se presente la reclamación. You may get a copy of these AAA's Rules by contacting AAA at 1633 Broadway, 10th Floor, New York, NY 10019, calling (800) 778- 7879 or visiting www.adr.org. Los cargos de presentación para iniciar y llevar a cabo el arbitraje serán compartidos en forma equitativa entre Usted y Nosotros. Esto no prohíbe que el árbitro devuelva a la parte beneficiada los cargos y los gastos del arbitraje. A menos que Usted y Nosotros lo acordemos, el arbitraje tendrá lugar en el condado y el estado donde Usted reside. La Ley Federal de Arbitraje, 9 U.S.C. § 1, y siguientes, será la que rija y no se aplicará ninguna ley estatal, local u otra relacionada con el arbitraje. La decisión del arbitraje no será vinculante para ninguna de las partes y luego de esa decisión cualquiera de las partes puede optar por presentar una demanda ante un tribunal de jurisdicción competente con respecto a la reclamación o reclamaciones que se hayan considerado en el procedimiento de arbitraje. También acepta que cualquier procedimiento de arbitraje solo tendrá en cuenta Sus Reclamaciones. Las reclamaciones de otras personas, o en su nombre, no serán arbitradas en ningún procedimiento que esté considerando Sus Reclamaciones. Consulte la sección de Notificaciones por estado de este Acuerdo para conocer cualquier requisito adicional en Su estado. En caso de que esta disposición de arbitraje no sea aprobada por la agencia reguladora estatal correspondiente o que se excluya, se invalide o se considere inaplicable de algún otro modo por parte de un tribunal de jurisdicción competente, Usted y Nosotros acordaremos específicamente eximirnos y renunciar para siempre al derecho a un juicio por jurados. En su lugar, en el caso de que surja un litigio entre Usted y Nosotros, se presentará una demanda ante un juez y no se elegirá ni se reunirá un jurado.

Notice for South Carolina residents: Insurance: Las obligaciones en virtud de este Acuerdo están garantizadas por una póliza de seguro emitida por la American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within 60 days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 1-800-852-2244. Free Look: You may, within 20 calendar days of mailing of this Agreement, or 10 days if delivered at time of sale, reject and return this Agreement. Le será devuelto el precio total de la compra una vez que devuelva el Acuerdo dentro del plazo aplicable, si no se ha hecho ninguna reclamación. A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the return of this Agreement. Esta disposición solo se aplica al comprador original. Notice: If We do not timely resolve such matters within 60 days of proof of loss, You may contact the South Carolina Department of Insurance, P.O. Box 100105, Columbia, SC 29202-3105, or (800) 768-3467. The Cancellation provision is amended as follows: Notice of cancellation shall state the effective date and reason for cancellation.

Notice for Texas residents: Todas las referencias al Administrador de Servicios se modificarán para incluir lo siguiente: el número de registro del Administrador para Conn Appliances es 140. Notice: Si tiene alguna queja o pregunta con respecto a este Acuerdo, puede comunicarse con el Departamento de Licencias y Regulación de Texas en la siguiente dirección y número de teléfono: Texas Department of Licensing and Regulation, Post Office Box 12157, Austin, Texas 78711; 512-463-6599 o 800-803-9202. Insurance: The obligations under this Agreement are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157. In the event any covered service is provided to You by Us before the 61stday after proof of loss has been filed, or if a refund or credit is not paid before the 46th day after the date which the Agreement is cancelled, You may apply directly to American Bankers Insurance Company of Florida. La compra de este Acuerdo no es obligatoria para comprar u obtener financiamiento. The following is added to the Cancellation provision: Prior notice is not required if the reason for cancellation is nonpayment of the purchase price, a material misrepresentation by You relating to the covered property or its use, or a substantial breach of Your duties relating to the Product or its use. We will pay a penalty of 10% per month on any cancellation refund that is not paid or credited within 45 days after return of the Agreement to Us. This right to cancel applies only to the original purchaser of the Agreement and is not transferable.

Notice for Virginia residents: Insurance: Las obligaciones en virtud de este Acuerdo están garantizadas por una póliza de seguro emitida por la American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within 60 days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: 11222 Quail Roost Drive, Miami, FL 33157, or call the toll-free number at 1-800-852-2244. The following is added to Your Plan: If any promise made in the Plan has been denied or has not been honored within 60 days after Your request, You may contact the Virginia Department of Agriculture and Consumer Services, Office of Charitable and Regulatory Programs to file a complaint.

If You have any complaints that are not resolved by FWSC or its Administrator, You may contact Your local Better Business Bureau or the Office of the Attorney General of Your state of residency: www.aldoi.gov; www.azag.gov; www.colorado.gov; www.oci.ga.gov; www.ag.state.la.us; www.mid.ms.gov; www.nmag.gov; www.ncdoi.gov; www.oag.state.ok.us; http://doi.sc.com; www.tn.gov/insurance; www.TexasAttorneyGeneral.gov; or www.scc.virginia.gov/boi/.

La firma del cliente con la que acusa recibo y acepta que comprende este Acuerdo se encuentra en la factura mencionada anteriormente a la que se adjunta este Acuerdo.

PDF de este Acuerdo para imprimir

Form #ECR0004S-1017 v6-0419