Verizon Business Complete

See inside for full details on Verizon Business Complete. Not available in New York

or for New York customers.

Verizon Business

Complete

Simplifying operations

while keeping employees

productive

* Plan includes 5G Nationwide which is available in 2,700+ cities. Plan also includes 5G Ultra

Wideband (UW) which is available only in parts of select cities. 5G Nationwide & 5G UW

access require a 5G capable device operating inside 5G coverage areas. Unlimited 4G LTE,

5G Nationwide & 5G UW data; in times of congestion, your smartphone & mobile hotspot

4G LTE & 5G Nationwide data may be temporarily slower than other traffic (only after 50

GB/line/mo). Downloads over 5G UW, uploads initially over 4G LTE, but will not count toward

premium network access. Not available for machine-to-machine services. Mobile hotspot/

tethering reduced to speeds up to 600 Kbps (4G LTE & 5G Nationwide) and 3 Mbps (5G UW)

after 25 GB/line/mo of data. 4G LTE & 5G Nationwide video streaming at 480p with 720p

option (activation required); 4K with 5G UW. Domestic data roaming at 2G speeds, int’l data

reduced to 2G speeds after 500 MB/day. You may use your device while traveling in Canada

and Mexico, but if more than 50% of your talk, text or data usage in a 60-day period is in

Canada or Mexico, use of those services in those countries may be removed or limited.

¹ All applicable taxes and surcharges extra. Verizon Business Complete Preferred consists

of Verizon Business Core Mobile Bundle Preferred (phone rental, service plan, data and

technical support) and Wireless Phone Protection for Verizon Business Complete, both

available separately. The monthly charge for Verizon Business Core Mobile Bundle Preferred

is $73.10 plus applicable taxes. For further information on Wireless Phone Protection for

Verizon Business Complete, please see the Summary of key terms panel.

² All applicable taxes and surcharges extra. Verizon Business Complete Standard consists

of Verizon Business Core Mobile Bundle Standard (phone rental, service plan, data and

technical support) and Wireless Phone Protection for Verizon Business Complete, both

available separately. The monthly charge for Verizon Business Core Mobile Bundle Standard

is $58.10 plus applicable taxes. For further information on Wireless Phone Protection for

Verizon Business Complete, please see the Summary of key terms panel.

In business, there is

no time for downtime

Verizon Business Complete is a comprehensive

mobile phone service that provides your business

with a phone, unlimited talk, text and premium data.*

Plus, enjoy 24/7 support and coverage for loss, theft,

and damage—all for one low monthly price.

Verizon Business Complete frees up valuable

business resources by providing direct support

for smartphone onboarding, o-boarding, and any

technical support issues with your phone. Your

business stays in control with included Mobile Device

Management to set and manage security policies and

application deployments to your mobile devices.

It’s simple to get started, just pick the phone that’s

right for you.

Verizon Business Complete Preferred

$80/mo.

New top-tier flagship smartphones

For Initial Rental Devices Only

Verizon Business Complete Standard

$65/mo.

Certified pre-owned smartphones

For Initial Rental Devices Only

For more information regarding which Verizon

Business Complete plan is right for you, please visit

www.verizon.com/businesscomplete

Available for approved Wireless Phone Protection for Verizon Business Complete insurance

claims for select smartphones in certain locations, which are subject to change at any

time. Contingent on a number of criteria, including claim approval time, customer location

and technician/inventory availability. Eligibility determined at time of claim approval.

Replacement device could be new or refurbished. The Same Day Delivery and Setup

beneﬁt is provided by Verizon Business Core Mobile Bundle.

Select smartphones that only have a cracked front screen are eligible for cracked screen

repair (smartphones with damage to the back glass or other damaged components beyond

front glass are not eligible for cracked screen repair). Subject to parts availability, in select

locations, which are subject to change at any time. Availability of same-day repair depends

on criteria such as claim approval time and technician availability. Repairs are performed

by an Asurion-certiﬁed technician and come with a 12-month limited warranty. Eligibility

for cracked screen repair will be determined at time of claim approval. Visit phoneclaim.com/

verizon to check current device eligibility. This beneﬁt is provided by Wireless Phone

Protection for Verizon Business Complete.

Available in select locations and for select laptops, which are subject to change at any

time. Laptop health checkups are limited to diagnostic exams only, and do not include

troubleshooting, triage, repair or replacement services. Anti-virus software installation,

scanning and virus removal (if applicable) will also be provided. This beneﬁt is provided by

Verizon Business Core Mobile Bundle.

Device sanitization is only available in select locations, which are subject to change at any

time. Availability of device sanitization is for most smartphones and is contingent on certain

criteria, including device type and technician availability. Device performance checks are a

web-based service. These services are diagnostic only and do not include troubleshooting,

triage, repair or replacement services. These beneﬁts are provided by Verizon Business

Core Mobile Bundle.

Protection, support

and more

Verizon Business Complete provides coverage for loss,

theft, and damage (including liquid).

Verizon Business Complete also provides device

assistance and support.

Unlimited laptop health checkups

Keep laptops in shape with PC tune-ups,

diagnostics to identify issues, and help

removing viruses at a convenient

repair location near you.

Unlimited device refresh

Promote longer device life with deep

cleanings and unlimited diagnostics

designed to help you improve speed,

performance and battery life.

Same-day delivery, activation and setup

Get your replacement smartphone the

same day.

Unlimited same-day cracked screen repair

Get your screen fixed as soon as the same

day for no additional cost.

The above beneﬁts are available for select smartphones, subject to

inventory/parts availability.

Summary of key terms

and conditions for Wireless

Phone Protection for

Verizon Business Complete

Verizon Business Complete consists of

1) Wireless Phone Protection for Verizon Business

Complete and 2) Verizon Business Core Mobile

Bundle (each available separately).

Wireless Phone Protection for Verizon Business Complete

Coverage Loss, theft and damage

Monthly Charge

$6.90

Insurance

Replacement

Deductibles for

Loss and Theft

$189/$229/$279

(depending on device model)

Insurance

Replacement

Deductible

for Damage

$99

Cracked

Screen Repair

Deductible

$0 (available for select smartphones and subject to

parts availability)

Insurance

Claim Limit

2 in 12 months (excluding cracked screen repairs,

which are unlimited). Device claim maximum is $3,000.

Cancellation

Policy

Wireless Phone Protection for Verizon Business

Complete continues to renew each month until

canceled, and is billed directly to your wireless

account. You can cancel your coverage at any time and

receive a prorated refund of your monthly charge. We

may cancel your coverage or change terms by giving

you prior written notice as required by law.

Replacement

Devices

Claims may be fulﬁlled with new or refurbished

equipment and may be the same model or another model

of like kind and quality. Replacement equipment may

contain original or non-original replacement parts. Colors,

features and accessory compatibility are not guaranteed.

All applicable taxes and surcharges extra.

Lost, stolen or damaged device replacements are provided by Wireless Phone Protection

for Verizon Business Complete, which is insurance coverage underwritten in Georgia by LM

General Insurance Company (Boston, MA), in Indiana by Indiana Insurance Company

(Boston, MA), in Louisiana by Liberty Personal Insurance Company (Boston, MA), in New Jersey

by Liberty Mutual Mid-Atlantic Insurance Company (Boston, MA), and in all other states by

Liberty Insurance Underwriters Inc. (Boston, MA) or one of its insurance company afﬁliates.

Asurion Insurance Services, Inc. (in California, Agent License #0B35141; in Iowa, Agent License

#1001000131), is the Agent and provides the claims servicing under this program.

For customers who elect insurance coverage, the monthly insurance premium may

include fees payable to Verizon and/or Asurion. Deductible depends on device model. See

phoneclaim.com/verizon for a complete list of devices with applicable deductible tiers.

For more information regarding which Verizon Business

Complete plan is right for you, please visit

www.verizon.com/businesscomplete

Deductible amounts

The deductible schedule may change from time to time.

Replacement deductibles for loss and theft for

select smartphones:

Verizon Business Complete Preferred

$229

Apple

iPhone

14 128GB

$189/$279

No devices at this time

Verizon Business Complete Standard

$229

Apple

iPhone

13 128GB

$189/$279

No devices at this time

All deductibles are non-refundable, and per approved claim.

If you don’t see your device, go to phoneclaim.com/verizon or call 1.888.881.2622.

The Asurion

and Verizon

trademarks and logos are the property of Asurion, LLC and

trademarks of Apple Inc. All other trademarks, service marks and product brands that appear

herein are the property of their respective owners.

Important information

For approved insurance claims, a repair or replacement

smartphone will be provided at our discretion.

Replacement Smartphones: It is our goal to provide you with a

replacement smartphone that is the same color and has the same

features, but this cannot be guaranteed. If the same make and

model you claim is not available, a similar make and model will be

substituted. Your replacement smartphone could be new or refurbished

and may contain original or non-original replacement parts. You may

also receive standard accessories with lost or stolen claims.

Covered Accessories: The following accessories are covered at

the time of loss: one standard battery (attached to the wireless

smartphone at the time of loss) and one standard home charger.

Optional Insurance Coverage: Verizon Business Complete

includes insurance coverage; however, you don’t need to

purchase insurance coverage to rent your Verizon smartphone

and activate your Verizon service.

Duplication of Coverage: You may already have coverage under

your homeowners insurance or other means.

Sales Representative Qualiﬁcations: Unless otherwise licensed,

Verizon sales representatives are not qualiﬁed or authorized to

evaluate the adequacy of your existing insurance coverages.

Electronic Communications: If you have provided or in the

future provide your email or other electronic address to Verizon,

then Asurion or its partners involved in administering this

program may send you program Terms and Conditions and legal

notices through electronic means. These communications will

be sent to the last electronic address Verizon has on ﬁle, unless

prohibited by state law. If an email address is not provided, this

information will be mailed to you. Legal notices will not be sent

to New York customers via email.

Covered Property: Your coverage applies to the smartphone

associated with an active rental agreement, which you enrolled

in Verizon Business Complete. Please see the sample list of

smartphones in this brochure.

Binding Arbitration: WHILE WE TRY TO RESOLVE DISPUTES,

THE INSURANCE POLICY CONTAINS A MANDATORY

BINDING ARBITRATION PROVISION THAT REQUIRES THE

SUBMISSION OF ALL DISPUTES (EXCEPT WHERE EXPRESS

STATE EXEMPTIONS ARE PROVIDED) TO ARBITRATION IN

ACCORDANCE WITH THE PROVISIONS SET FORTH IN SECTION

G.1. OF THE POLICY.

Insurance Exclusions and Limitations: Coverage contains

limitations and exclusions including: loss or damage caused by

governmental authority; nuclear hazard; war; delay or loss of use;

electrical and mechanical breakdown; dishonest or criminal acts;

obsolescence; recall or design defect; cosmetic damage; covered

under warranty; late claims; programming; repair work; virus;

voluntary parting; intentional loss or damage; pollution; fees or

charges; failure to mitigate; and vermin. See terms and conditions

for full list of exclusions and limitations.

Non-Return Fee: If you receive a replacement smartphone, your

original smartphone must be returned to us (unless it has been

lost or stolen) using the prepaid shipping label provided with your

replacement smartphone. Under the insurance program, a Non-Return

Fee based on the cost of the claim to Liberty Insurance Underwriters

Inc. may be charged for your failure to return your original smartphone.

For Residents of California, Indiana, Maryland and Illinois:

Consumer hotlines in your state for the California Department

of Insurance is 1.800.927.HELP (4357); for the State of

Indiana Department of Insurance is 1.800.622.4461; and for

the Maryland Department of Insurance is 1.800.492.6116.

The Illinois Department of Insurance can be contacted by mail

at 320 W. Washington St., Springﬁeld, IL 62767, by phone at

1.877.527.9431 or online at https://mc.insurance.illinois.gov/

messagecenter.nsf (online form) or https://insurance.illinois.gov/

Complaints/PropertyCasualtyComplaintForm.pdf (printable format).

For Washington Residents Only, we may change the insurance

terms and conditions with at least 30 days’ notice and we may

only cancel for the following reasons and notice: (i) 15 days

for fraud or material misrepresentation in obtaining coverage

or the presentation of a claim; (ii) 10 days for nonpayment; (iii)

immediately for no longer having active service with Verizon or

exhausting your aggregate claim limit; or (iv) 30 days based on a

determination by Verizon or the Agent that the program should no

longer be offered. We will not increase the premium or deductible

or restrict coverage more than once in any 6 month period but

will provide to each Washington policy holder a 30-day advance

written notice of any premium or deductible increase.

We will also provide you these Terms and Conditions

after enrollment.

To view the Wireless Phone Protection

for Verizon Business Complete Terms and

Conditions, you may do one of the following

before you enroll:

1. View and download online

at asurion.com/legal/verizon

2. Ask your sales representative or

3. Call 1.800.256.4646

Visit Terms and Conditions

NOTE: Contact Verizon immediately at 1.800.922.0204 to

suspend your wireless service if your device is lost or stolen.

All claims must be made within 90 days of incident.

Fraud: Any person who, knowingly and with intent to injure,

defrauds or deceives any insurer, files a statement of claim or

an application containing any false, incomplete or misleading

information is guilty of insurance fraud. In Florida, such conduct is

a felony of the third degree.

Questions regarding this program should be directed to Liberty

Insurance Underwriters Inc.’s licensed agent, Asurion Insurance

Services, Inc. at 1.888.881.2622.

File an insurance claim

If you damage your smartphone or it goes missing,

get help fast and get back to business. Just head over

to the online claims portal to get started:

Visit phoneclaim.com/verizon

Or give us a call: 1.888.881.2622

While traveling internationally: 1.615.647.3364

Visit claims portal

Who is Asurion?

Verizon Business Complete is oered in conjunction

with Asurion, a trusted provider for total tech

protection, support and more.

For more than 20 years, Asurion has helped

over 300 million people unlock the power of their

technology, making their lives easier and their tech

a lot more amazing.

*2020 Asurion Data, based on overall customer satisfaction survey data from 2013-2020

DAASBRO1027

Signing up for an insurance

plan is easy

You are eligible to enroll in Wireless Phone Protection

for Verizon Business Complete within the first 30 days

of device activation.

Three ways to join:

• See your Verizon sales representative today

• Visit www.verizon.com/businesscomplete

• Call 1.800.922.0204

Once your eligibility is veriﬁed, the monthly charge will be added to your Verizon

bill. Insurance coverage is effective upon enrollment and upon activation and use

(text, data, calls on the Verizon network) on the enrolled smartphone associated

with an active rental agreement.

Experiencing a problem

with your smartphone?

If you're having a problem with your smartphone, just

We'll diagnose the issue with you right over the phone.

If we can't resolve the problem and it is caused by a

manufacturing defect/malfunction, we'll send you a

replacement. For limitations and restrictions, refer to

the Verizon Business Complete Rental Agreement.

Wireless Communications Equipment Coverage Insurance Policy By: in

Georgia, LM General Insurance Company, in Indiana, Indiana Insurance

Company, in Louisiana, Liberty Personal Insurance Company, in New Jersey,

Liberty Mutual Mid-Atlantic Insurance Company, and in all other states, Liberty

Insurance Underwriters Inc., or one of its insurance company affiliates.

2 EQUIPMENT COVERAGE INSURANCE

WIRELESS COMMUNICATIONS EQUIPMENT COVERAGE INSURANCE POLICY

Various provisions in the policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and

is not covered.

The words “we,” “us” and “our” refer to the insurer in Georgia, LM General Insurance Company; in Indiana, Indiana

Insurance Company; in Louisiana, Liberty Personal Insurance Company; in New Jersey, Liberty Mutual Mid-Atlantic

Insurance Company; and in all other states, Liberty Insurance Underwriters Inc., or one of its insurance company afﬁliates

that is providing this insurance.

The terms “you” and “your” mean, as the context requires, the First Named Insured or any Additional Insured or both.

The word “Agent” refers to Asurion Insurance Services, Inc.

The term “Authorized Service Center” means the service center providing repair and replacement services on our behalf.

The term “Wireless Service Provider” means Verizon Wireless, who is the First Named Insured, providing the Covered Property.

A. COVERAGE

In exchange for premium paid when due, we agree to provide the coverage as stated in the policy on a month to month

basis, provided that any covered damage or loss to the Covered Property is sustained while your coverage is in effect.

1. Who Is Covered

a. First Named Insured

The First Named Insured is Verizon Wireless for its interest in Covered Property.

b. Additional Insureds

The First Named Insured has the right to request Additional Insured status for a customer for his or her

interest in the Covered Property which he, she or it owns (references herein to “Insured” refer collectively to

“First Named Insured” and “Additional Insured”). Requests for coverage for Additional Insureds are subject to

our approval.

2. Covered Property

Covered Property means only the mobile wireless communications equipment as follows:

Covered Property means the wireless device owned by the First Named Insured or an afﬁliate of the First Named

Insured and rented by the Additional Insured under an active rental agreement for which: 1) the unique identiﬁcation

number (International Mobile Equipment Identity (IMEI), Electronic Serial Number (ESN), or Mobile Equipment ID

(MEID)) of such wireless device is reﬂected in the records of the Wireless Service Provider at the time coverage

initially became effective; and 2) outgoing airtime usage has been logged with the Wireless Service Provider after

coverage became effective. The Additional Insured’s interest in the Covered Property that is rented by the Additional

Insured from the First Named Insured is not excluded under Section 6.h below for so long as such device remains

Covered Property, but all other leased, held or rented property continues to be excluded from coverage under this

Policy pursuant to Section 6.h below.

Covered Property includes certain accessories used with the Covered Property at the time of loss, speciﬁcally: one

(1) standard battery (attached to the wireless device at time of loss) and one (1) standard home charger.

3. Coverage Period

Coverage is provided for the policy period shown in the Declarations subject to Section G.4.b.

4. Coverage Territory

We insure the Covered Property wherever it is located in the world.

We may require any claims occurring outside the United States or its territories to be processed in the United States.

5. Covered Causes of Loss

Covered Causes of Loss means risks of being lost, stolen or directly damaged, except as limited or excluded

elsewhere in the policy.

3 EQUIPMENT COVERAGE INSURANCE

6. Property Not Covered

Covered Property does not include:

a. Contraband or property in the course of illegal transportation or trade.

b. Data, meaning information input to, stored on, or processed by the Covered Property. This includes documents,

databases, messages, licenses, contact information, passwords, books, games, magazines, photos, videos,

ringtones, music, and maps.

c. Proprietary electronic devices included with automobile systems and any motor vehicle or watercraft original or

after-market equipment or accessories, whether or not permanently installed, including any antenna or wiring.

d. Property that has been entrusted to (including property in-transit) others for any service, repair or replacement,

other than the Authorized Service Center or its designee.

e. Nonstandard Software, meaning software other than Standard Software. “Standard Software” means the

operating system pre-loaded on or included as standard with the Covered Property from the manufacturer.

f. Wireless Equipment whose unique identiﬁcation number (including serial number, ESN, MEID, IMEI or similar

unique identiﬁcation number) has been altered, defaced or removed.

g. Nonstandard External Media, meaning physical objects on which data can be stored but which are not

integrated components of the Covered Property required for it to function. This includes data cards, memory

cards, external hard drives, and ﬂash drives. Nonstandard External Media does not include Standard

External Media. “Standard External Media” means physical objects on which data can be stored and that

came standard in the original packaging with the Covered Property from the manufacturer but which are not

integrated components of the Covered Property required for it to function.

h. Any property you lease, rent or hold for others.

i. Any other equipment or accessories not described as Covered Property.

j. Batteries (unless otherwise covered as a covered accessory when part of a loss to other Covered Property).

B. EXCLUSIONS

This insurance does not apply to loss or damage identiﬁed in any of the following or directly or indirectly caused by or

resulting from any of the following:

1. Governmental Authority

Seizure or destruction of property by order of governmental authority.

2. Nuclear Hazard

Nuclear reaction or radiation, or radioactive contamination, however caused. If physical loss or damage by ﬁre

ensues, we will pay only for such ensuing loss or damage.

3. War

(a) War, including undeclared or civil war;

(b) Warlike action by a military force; or

defending against any of these.

Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any

sequence to the loss or damage.

4. Delay, Loss of Use

Indirect or consequential loss or damage, including loss of use, interruption of business, loss of service, loss of

market, loss of time, loss of proﬁts, inconvenience or delay in repairing or replacing lost or damaged Covered Property.

4 EQUIPMENT COVERAGE INSURANCE

5. Electrical and Mechanical Breakdown

Failure of Covered Property to operate due to a faulty part or workmanship or normal wear and tear when operated

according to the manufacturer’s instructions.

6. Dishonest or Criminal Acts

Dishonest, fraudulent or criminal acts by you, any authorized user of the Covered Property, anyone you entrust with

the Covered Property, or anyone else with an interest in the Covered Property for any purpose, whether acting alone

or in collusion with others.

7. Obsolescence

Obsolescence or depreciation.

8. Recall or Design Defect

(a) Manufacturer’s recall; or

(b) Error or omission in design, programming or system conﬁguration.

9. Cosmetic Damage

Cosmetic damage, however caused, that does not affect the manufacturer’s intended use. This includes:

(a) Cracking, marring, or scratching.

(b) Change in color or other change in the exterior ﬁnish.

10. Covered Under Warranty

Loss or damage that is covered under the manufacturer’s warranty. In the event we have knowledge of a prior

malfunction, proof of repair may be required before coverage for future claims is applicable.

11. Late Claims

Claims not reported as required by Section E.3. of the policy.

12. Programming, Repair Work

Programming, cleaning, adjusting, repairing, modifying, installing, servicing, maintaining, or performing any other

work upon Covered Property.

13. Virus

Computer virus or any other malicious code or similar instruction that:

(a) Disrupts the normal operation of the Covered Property; or

(b) Results in destruction of or unsuitability of data or programs stored in the Covered Property.

14. Voluntary Parting

Voluntarily parting with Covered Property by an Insured or by any person entrusted with Covered Property, whether

or not induced to do so by any fraudulent scheme, trick, device or false pretense.

15. Intentional Loss or Damage

Abuse, intentional acts, or use of the Covered Property in a manner inconsistent with the use for which it was

designed, intended, or advised by the manufacturer or that would void the manufacturer’s warranty.

16. Pollution

The discharge, dispersal, seepage, migration or escape of pollutants. Pollutants means any solid, liquid, gaseous,

or thermal irritant or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals, artiﬁcially produced

electric ﬁelds, magnetic ﬁeld, electromagnetic ﬁeld, sound waves, microwaves, and all artiﬁcially produced ionizing

or non-ionizing radiation and/or waste. Waste includes materials to be recycled, reconditioned or reclaimed.

5 EQUIPMENT COVERAGE INSURANCE

17. Fees or Charges

Any fees or charges assessed by Verizon Wireless, whether the charges incurred are legitimate or fraudulent.

18. Failure to Mitigate

Failure to do what is reasonably necessary to minimize the loss and to protect the Covered Property from any

further loss.

19. Vermin

Insects, rodents, or other vermin.

C. LIMITS OF INSURANCE

The most we will spend in any one occurrence to repair or replace Covered Property is $3,000. This Limit of Insurance

applies separately to each claim.

Each Additional Insured is limited to two (2) losses for lost, stolen or directly damaged, and unlimited cracked screen

losses in any consecutive 12 month time period, including losses incurred during any prior consecutive policy period.

When this limit is exhausted, coverage will cease immediately and we will notify the Additional Insured that his or her

coverage has ceased and no future premiums are due.

D. DEDUCTIBLE

The Deductible is either $0, $99, $189, $229, or $279, depending on whether the Covered Property is found in

Schedule A, B, C, D, or E and is non-refundable and is payable at the time a loss is approved by the Agent. This

Deductible will apply to each ﬁled and approved covered claim, and does not reduce the Limit of Insurance. Only an

Additional Insured may pay the Deductible.

E. INSURED’S DUTIES IN EVENT OF LOSS TO INSURED’S COVERED PROPERTY

In the event of loss or damage to Covered Property, the Insured presenting the claim must cooperate with us and see

that the following are done:

1. Suspend Wireless Service

Suspend your wireless communication service, if applicable, as soon as possible if the Covered Property is lost or

stolen.

2. Notify Police

If a claim involves a violation of law or any loss of possession, notify the police and obtain a police report or case

number, the police station phone number, and the ofﬁcer’s name and badge number taking the report. If requested,

provide a copy of the police report to Asurion Insurance Services, Inc. within 30 days of request.

3. Notify Agent, Give Description

Notify Asurion Insurance Services, Inc. within 90 days of the time of loss.

Give a complete description of:

a. The Covered Property, including make and model, wireless number, if applicable, and unique identiﬁcation

number (such as serial number, ESN, MEID, IMEI or similar unique identiﬁcation number); and

b. How, when and where the loss or damage occurred.

4. Protect

Take all reasonable steps to protect the Covered Property from further damage.

5. Permit Inspection

Permit us or our Agent to inspect the damaged property. If we request to evaluate your equipment failure prior to

completion of your claim, we may require you to take the Covered Property to a speciﬁed location in your area, or

send it to the Agent or Authorized Service Center at our expense.

6 EQUIPMENT COVERAGE INSURANCE

6. Statement Under Oath

If requested by us or our Agent, submit to questioning under oath about a claim or other matter relating to the

policy. In such event, the answers must be signed and may be recorded.

7. Proof of Loss and Ownership

If required, provide:

a. Proof of ownership, such as a bill of sale, receipt, proof of purchase or warranty exchange.

b. A signed, sworn proof of loss or damage containing the information we or our Agent request to settle the claim.

We may require this statement to be notarized, for which you may incur a nominal fee.

c. A copy of government-issued photo identiﬁcation.

d. Other records and documents that may be reasonably requested.

These records must be provided within 30 days after our request for the documentation.

8. Return of Damaged and/or Malfunctioning Covered Property

The Additional Insured is required to return the damaged property including, if coverage is provided under the policy,

property that suffered mechanical and electrical breakdown, to the Authorized Service Center or other designated

location. If the replacement equipment is sent to you, you will be provided a prepaid shipping label and envelope in

which to return the damaged property.

Disposal of the damaged Covered Property other than by returning it to the Authorized Service Center, or other

location designated by us, requires the prior consent of us or our Agent.

If the damaged Covered Property is not returned as directed within 15 days of the receipt of the replacement

equipment, a Non-Return Fee as applicable to the model of Covered Property, not to exceed three hundred dollars

($300) may be charged to the Additional Insured.

Any recovery of lost or stolen property will accrue entirely to our beneﬁt.

9. Take Delivery

We may make available to you the approved replacement equipment for pick up at your Wireless Service Provider.

We may also ship the approved replacement equipment through our Authorized Service Center directly to you within

the United States for which you must be available to take delivery of the replacement equipment within 30 days of

claim authorization. If you are not available at the time you agree to take delivery, you may be required to pay the

costs of reshipping your replacement equipment.

F. OUR DUTIES IN EVENT OF LOSS

1. When We Repair or Replace

If a claim is made, we or Asurion Insurance Services, Inc. will notify the Insured of Asurion Insurance Services, Inc.’s

assessment of the claim within 10 days after we or Asurion Insurance Services, Inc. receives all the information

requested from the Insured presenting the claim.

Repair or replacement of the lost or damaged Covered Property will be done within 30 days after the Insured, or his

or her designee has complied with all the terms of the policy, and we have agreed with the Insured about the repair

or replacement.

2. Our Options

At our option, we or the Authorized Service Center may repair the Covered Property with substitute parts or provide

substitute equipment that:

a. Is of like kind, quality and functionality;

b. Is either new, refurbished, or remanufactured, and may contain original or non-original manufacturer parts; and

c. May be a different brand, model or color.

7 EQUIPMENT COVERAGE INSURANCE

G. ADDITIONAL CONDITIONS

1. Arbitration Agreement

Please read this Arbitration Agreement carefully. It affects your rights. Most of your concerns about the

policy can be addressed simply by contacting us at 1.888.881.2622. In the unlikely event we cannot resolve any

disputes, including any claims under the policy, that you or we may have, YOU AND WE AGREE TO RESOLVE

THOSE DISPUTES THROUGH EITHER 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 AND TO PARTICIPATE IN CLASS ARBITRATIONS AND CLASS ACTIONS. Arbitration is more informal

than a lawsuit in court. 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. Arbitrators can award the same damages and relief that a

court can award.

For the purpose of this Arbitration Agreement, references to “we,” “us” and “our” includes Liberty Insurance

Underwriters Inc., our Agent, the First Named Insured and their respective parents, subsidiaries, afﬁliates, agents,

employees, successors and assigns. The policy evidences a transaction in interstate commerce, and thus the

Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. This Arbitration

Agreement shall survive the termination of the policy.

This Arbitration Agreement is intended to be interpreted broadly, and it includes any dispute: (1) arising out of or

relating in any way to the policy 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 policy was entered

into by you and us or that arises after this Arbitration Agreement or policy 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: Legal Department, P.O. Box 110656, Nashville, TN

37222. The Notice must describe the dispute and state the speciﬁc relief sought. If you and we do not resolve the

dispute within 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: Legal Department, P.O. Box 110656, Nashville, TN 37222.

The arbitration shall be administered by the AAA in accordance with the Commercial Arbitration Rules and the

Supplementary Procedures for Consumer Related Disputes (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. If the arbitrator ﬁnds in your favor and issues a

damages award that is greater than the value of the last settlement offer made by us or if we made no settlement

offer and the arbitrator awards you any damages, we will: (1) pay you the amount of the damages award or

8 EQUIPMENT COVERAGE INSURANCE

$7,500, whichever is greater; and (2) pay your attorney, if any, twice the amount of the attorney’s fees and the

actual amount of any expenses reasonably incurred when pursuing your dispute in arbitration. 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 14 days of the arbitrator’s written decision. While the right to the attorney’s fees and expenses

discussed above is in addition to any right you may have under applicable law, 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 speciﬁc provision of this Arbitration

Agreement is found to be unenforceable, then the entirety of this Arbitration Agreement shall be null and void.

2. Claim Authorization and Loss Payment

We or Asurion Insurance Services, Inc. has the right to settle the loss with the Insured or his or her designee.

No claims will be accepted unless authorized by Asurion Insurance Services, Inc.

All repairs and replacements must be made by the Authorized Service Center, unless we or our Agent gives the

Insured other speciﬁc directions. In no event will Insureds be entitled to reimbursement for any out-of-pocket

expenses.

3. Cancellation

a. How An Additional Insured Cancels

An Additional Insured may cancel the coverage provided by notifying the Agent or First Named Insured who will

advise the Agent.

b. How We Cancel

We may cancel the policy or change the terms and conditions only upon providing the First Named Insured and

Additional Insured with at least thirty (30) days’ notice or other period as required by law unless we cancel for

the following reasons:

(1) We may cancel an Additional Insured under the policy upon ﬁfteen (15) days’ notice or other period

as required by law for discovery of fraud or material misrepresentation in obtaining coverage or in the

presentation of a claim thereunder.

(2) We may cancel an Additional Insured under the policy immediately or other period as required by law:

(a) for nonpayment of premium;

(b) if the Additional Insured ceases to have an active service with the First Named Insured; or,

and we send notice of cancellation to the Additional Insured within thirty (30) calendar days after

exhaustion of the limit. However, if notice is not timely sent, enrollment shall continue notwithstanding

the Aggregate Limit of liability until we send notice of cancellation to the Additional Insured.

c. How First Named Insured Cancels

If the policy is cancelled by the First Named Insured, the First Named Insured shall mail or deliver written notice

to each Additional Insured advising the Additional Insured of the cancellation of the policy and the effective date

of cancellation. The written notice shall be mailed or delivered to the Additional Insured at least thirty (30) days

prior to the cancellation.

d. How Notice of Cancellation Is Provided

Notices made pursuant to Section G.3.b. and c. shall be in writing and include the actual reason for

cancellation and the effective date of cancellation. The coverage will end on that date.

9 EQUIPMENT COVERAGE INSURANCE

Notices may be mailed or delivered to the First Named Insured at its mailing address. Notices may be mailed or

delivered to the affected Additional Insureds’ last known mailing or electronic addresses on ﬁle with us.

We or the First Named Insured shall maintain proof of mailing in a form authorized or accepted by the United

States Postal Service or other commercial mail delivery service. We or the First Named Insured may comply

with Section G.3.b. and c. by providing such notice or correspondence to the First Named Insured or its

Additional Insureds by electronic means. If accomplished through electronic means, we or the First Named

Insured shall maintain proof that the notice or correspondence was sent.

The First Named Insured agrees to pay or act as delivery agent for notice of cancellation to all Additional Insureds.

e. Return Premiums, If Any

If the policy is canceled, any refunds due will be on a pro rata basis. The cancellation will be effective even if

the refund has not been made or offered.

4. Eligibility

a. To be eligible for coverage you must 1. be a valid, active and current subscriber of the Wireless Service

Provider; 2. not have engaged in fraud or abuse with respect to this or a similar communications equipment

insurance program; and 3. not be in breach of any material term of the policy, including but not limited to failure

to return damaged Covered Property when requested in conjunction with a loss.

b. If you request enrollment of coverage and your request is approved by us, your coverage is retroactive to the

date of your application. The successful completion of a test call to the Covered Property may be required prior

to our approval.

Eligibility for enrollment after initial activation may be subject to limitations.

5. Changes

The First Named Insured, on its own behalf and on behalf of the Additional Insureds, is authorized to make changes

in the terms of the policy with our consent. The policy’s terms can be amended or waived only by endorsement

issued by us and made a part of the policy.

If notice of such changes is mailed, proof of mailing will be sufﬁcient proof of notice.

6. Concealment, Misrepresentation or Fraud

The policy is voidable in any case of fraud, intentional concealment or misrepresentation of a material fact, by either

the First Named Insured or any Additional Insured or their designee at any time, concerning:

a. The policy;

b. The Covered Property;

c. The Insured’s interest in the Covered Property; or

d. A claim under the policy;

but only with respect to their coverage.

7. Conformity To Statute

We agree that any terms of the policy not in conformity with the statutes of the state in which the policy is issued

are amended to conform to those applicable state statutes.

8. Beneﬁt Only Available To Insureds

No person or organization, other than an Insured, will beneﬁt from the insurance. We may provide you access to

other limited beneﬁts or services related to your Covered Property where available. These may include: property

location or recovery services; data management or recovery services; equipment service and maintenance; reduced

cost upgrade or purchase beneﬁts or other services provided through your Wireless Service Provider or other

authorized service facilities.

10 EQUIPMENT COVERAGE INSURANCE

9. Legal Action Against Us

No one may bring a legal action against us under the policy unless:

a. There has been full compliance with all the terms of the policy;

b. The action is brought within 2 years after the Insured has knowledge of the loss or damage;

c. The action is brought in compliance with Section G.1.

10. Liberalization

If we adopt any revision in the policy which would broaden the Coverage under the policy without additional premium

within 60 days prior to or during the policy period, the broadened coverage will immediately apply to the policy.

11. Premiums

a. The First Named Insured is responsible for the payment of all premiums.

b. Within ﬁfteen days after the end of each month, the First Named Insured:

(1) Will report to the Agent the total number of Covered Property units that were covered under the policy as

of the last day of that month; and

(2) Will remit the monthly premium to us through the Agent based on that report.

The monthly premium will be calculated by multiplying the Monthly Premium Rate per unit of Covered Property by the total

number of such units.

c. The First Named Insured may request that Additional Insureds be billed for the Monthly Premium Rate

applicable to their Covered Property.

If the First Named Insured provides monthly billing and collection services for the Agent, all funds collected by the

First Named Insured are our property.

We may examine and audit the First Named Insured’s books and records relating to such premium payments

and reporting at any time during the policy period and up to three years afterward.

12. Transfer of Rights and Duties Under The Policy (Assignment)

No rights and duties under the policy may be transferred without our written consent.

13. Transfer of Rights of Recovery Against Others To Us (Subrogation)

If after we have made good the covered loss or damage, any Insured has rights to recover damages from another,

and those rights are transferred to us to the extent of our cost of repair or replacement. The Insured must do

everything necessary to secure our rights and must do nothing after loss or damage to impair them.

CLHI 005 (11/2012)

11 EQUIPMENT COVERAGE INSURANCE

DISCLOSURE – TERRORISM RISK INSURANCE ACT

THIS ENDORSEMENT IS MADE PART OF YOUR POLICY PURSUANT TO THE TERRORISM RISK INSURANCE ACT.

In accordance with the Terrorism Risk Insurance Act, including all amendments, (“TRIA” or the “Act”), we are required to

provide you with a notice of the portion of your premium attributable to coverage for “certiﬁed acts of terrorism,” the federal

share of payment of losses from such acts, and the limitation or “cap” on our liability under the Act.

Disclosure of Premium: The Company has made available coverage for “certiﬁed acts of terrorism” as deﬁned in the

Act. If purchased, the portion of your premium attributable to coverage for “certiﬁed acts of terrorism” is shown in the

Declarations, Declarations Extension Schedule or elsewhere by endorsement in your policy.

Federal Participation In Payment Of Terrorism Losses: If an individual insurer’s losses from certiﬁed acts of terrorism

exceed a deductible amount speciﬁed in the Act, the federal government will reimburse the insurer for the Federal Share of

losses paid in excess of the deductible, but only if aggregate industry losses from such acts exceed the “Program Trigger”.

Beginning calendar year 2020, the Federal Share is 80% and the Program Trigger is $200,000,000.

Cap On Insurer Participation In Payment Of Terrorism Losses: If aggregate insured losses attributable to “certiﬁed

acts of terrorism” exceed $100 billion in a calendar year and we have met our deductible under the Act, we shall not be

liable for the payment of any portion of the amount of such losses that exceeds $100 billion. Nor shall Treasury make any

payment for any portion of the amount of such losses that exceeds $100 billion, and in such case, insured losses up to that

amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.

TRIA-N004-0420

12 Canc/Arb Sum 09/22

STATE CHANGES TO THE LIBERTY INSURANCE UNDERWRITERS INC. WIRELESS

COMMUNICATIONS EQUIPMENT COVERAGE INSURANCE POLICY

This document summarizes state required changes to the Terms and Conditions of the Wireless Communications Equipment

Coverage Insurance Policy (“Policy”) for Liberty Insurance Underwriters Inc. in all states except the following: In Georgia, LM

General Insurance Company; In Indiana, Indiana Insurance Company; In Louisiana, Liberty Personal Insurance Company; In

New Jersey, Liberty Mutual Mid-Atlantic Insurance Company.

Cancellation

The states listed below required us to amend or add to certain provisions of the Policy related to cancellation by the insurer

that are found in ADDITIONAL CONDITIONS 3.b. (“How We Cancel”). These required state amendments were either

changes to the number of days’ notice required to be given for particular reason(s) for cancellation or additional language to

the provision. Each state’s amendment is described below.

If your state is NOT listed, it did not amend ADDITIONAL CONDITIONS 3.b. and all reasons for cancellation and the required

notices listed in ADDITIONAL CONDITIONS 3.b. apply to you as outlined in the Policy Terms and Conditions. If your state IS

listed below, ADDITIONAL CONDITIONS 3.b. as outlined in the Policy Terms and Conditions applies to you with the below

changes or additions incorporated into ADDITIONAL CONDITIONS 3.b.

Colorado, Connecticut, Kansas and Mississippi: We may cancel your coverage for nonpayment of premium with at

least 15 days’ notice.

Georgia, Hawaii, Illinois and Ohio: We may cancel or change the terms and conditions with at least 60 days’ notice

unless we cancel for other reasons set forth in the policy.

Idaho: You are entitled to reject changes to the terms and conditions and receive a pro-rata refund within 60 days’ from our

receipt of your notice.

Iowa: We will continue enrollment until 30 calendar days after notice of cancellation is provided to the Additional Insured if

timely notice of cancellation was not sent following the Additional Insured’s exhaustion of the Aggregate Limit of Liability.

Maryland: We may cancel or change the terms and conditions with at least 60 days’ notice unless we cancel for other

reasons set forth in the policy. We may cancel your coverage for nonpayment of premium with at least 10 days’ notice. We

may cancel with at least 45 days’ notice for fraud or material misrepresentation. We will send notice within 15 business days

if the aggregate limit is exhausted. Notice will not be sent if substantially similar coverage has been obtained from another

insurer without any lapse of coverage. The Wireless Service Provider must give 45 days’ notice if it cancels.

Montana: We may cancel your coverage for nonpayment of premium with at least 10 days’ notice.

Nebraska: We may cancel or change the terms and conditions with at least 60 days’ notice unless we cancel for other

reasons set forth in the policy. We may cancel your coverage for nonpayment of premium with at least 15 days’ notice.

Nevada: We may cancel with at least 10 days’ notice for fraud or material misrepresentation.

New York: We may cancel or change the terms and conditions with at least 60 days’ notice unless we cancel for other

reasons set forth in the policy. We may cancel your coverage for nonpayment of premium with at least 15 days’ notice. We

will send notice within 15 days if the aggregate limit is exhausted. Notice will not be sent if substantially similar coverage has

been obtained from another insurer without any lapse of coverage.

North Dakota: We may change the terms and conditions with at least 30 days’ notice. If coverage has been in effect for

less than 90 days, we may cancel for any reason with at least 10 days’ notice or at least 30 days’ for fraud or intentional

misrepresentation. If coverage has been in effect for 90 days or more, we may cancel with at least 10 days’ notice for

nonpayment of premium, and at least 30 days’ notice for: fraud or misrepresentation; actions that substantially increase

13 Canc/Arb Sum 09/22

or change the risk; refusal to eliminate known conditions that increase the potential for loss, after notiﬁcation; substantial

change in risk assumed, unless reasonably foreseen; our loss of reinsurance; or a determination by the insurance

commissioner that the continuation of the coverage could place us in violation of North Dakota insurance laws. We may elect

not to renew the policy with at least 60 days’ notice. We will not mail or deliver notice of nonrenewal if you have insured

elsewhere, accepted replacement coverage from another insurer, or requested or agreed to nonrenewal.

Oregon: We may cancel or change the terms and conditions with at least 60 days’ notice unless we cancel for other

reasons set forth in the policy. We may cancel your coverage for nonpayment of premium with at least 15 days’ notice.

Pennsylvania: We may cancel or change the terms and conditions with at least 60 days’ notice unless we cancel for other

reasons set forth in the policy. We may cancel your coverage for nonpayment of premium with at least 30 days’ notice.

South Dakota: We may cancel or change the terms and conditions with at least 20 days’ notice unless we cancel for

other reasons set forth in the policy. We may cancel your coverage for nonpayment of premium or for fraud or material

misrepresentation with at least 20 days’ notice.

Utah: We may cancel with at least 30 days’ notice for fraud or material misrepresentation in obtaining coverage or in the

presentation of a claim thereunder.

Washington: We may cancel or nonrenew the policy or change the terms and conditions with at least 30 days’ notice

unless we cancel for other reasons set forth in the policy. We may cancel your coverage for nonpayment of premium with at

least 10 days’ notice. We may not increase premiums or deductibles or otherwise restrict coverage more than once in any 6

month period.

Wyoming: We may cancel your coverage for nonpayment of premium at least 10 days’ notice. We may cancel immediately

for fraud or material misrepresentation.

Arbitration

Certain states required us to amend or add to certain provisions found in ADDITIONAL CONDITIONS G.1. (“Arbitration

Agreement”) of the Policy as described below. If your state is not listed, it did not amend ADDITIONAL CONDITIONS G.1.,

and all of the provisions of ADDITIONAL CONDITIONS G.1. apply as outlined in the Policy Terms and Conditions.

Arkansas and South Dakota: In the event a dispute has arisen, arbitration is voluntary and nonbinding, resolved before

a single Arbitrator, in your county or place of business, and governed by the American Arbitration Association (“AAA”) in

accordance with its Wireless Industry Rules and Procedures in effect at the time the arbitration is agreed to. (All other terms

of Paragraph 1, G. ADDITIONAL CONDITIONS apply.)

District of Columbia, Kansas, Montana, Oklahoma, and Vermont: Arbitration is voluntary and non-binding provided

you reject the arbitration decision in writing to us within forty-ﬁve (45) days of the decision. (All other terms of Paragraph 1,

G. ADDITIONAL CONDITIONS apply.)

Georgia, Louisiana and Nevada: The “Arbitration Agreement” provision does not apply.

Kentucky, Maine and Wyoming: Arbitration is non-binding provided you reject the decision and ﬁle a legal proceeding in

the appropriate federal, state or local court, based on the same issue and facts as raised by you in the arbitration proceeding

within forty-ﬁve (45) days of the decision. Under no circumstances shall a legal proceeding be ﬁled in a federal, state or

local court until such time as both you and we ﬁrst address our disagreement in an arbitration proceeding and obtain an

arbitration award pursuant to this arbitration provision. (All other terms of Paragraph 1, G. ADDITIONAL CONDITIONS apply.)

Massachusetts: Arbitration is voluntary.

Missouri: Arbitration is voluntary. If you and we agree to arbitrate, then you and we agree that the resolution of the dispute

will be governed by the Arbitration Agreement. (All other terms of Paragraph 1, G. ADDITIONAL CONDITIONS apply.)

14 Canc/Arb Sum 09/22

Oregon: Arbitration is non-binding provided you reject the decision and ﬁle a legal proceeding in the appropriate federal,

state or local court, based on the same issue and facts as raised by you in the arbitration proceeding within forty-ﬁve (45)

days of the arbitrator’s award. Under no circumstances shall a legal proceeding be ﬁled in a federal, state or local court until

such time as both you and we ﬁrst address our disagreement in an arbitration proceeding and obtain an arbitration award

pursuant to this arbitration provision. Any arbitration shall be administered in accordance with the Arbitration Rules unless

any procedural requirement of the Arbitration Rules is inconsistent with the Oregon Uniform Arbitration Act in which case the

Oregon Uniform Arbitration Act shall control. (All other terms of Paragraph 1, G. ADDITIONAL CONDITIONS apply.)

Washington: 1) Arbitration is non-binding provided you reject the arbitration decision in writing to us within forty-ﬁve (45)

days of the arbitrator’s award. Under no circumstances shall a legal proceeding be ﬁled in a federal, state or local court until

such time as both you and we ﬁrst address our disagreement in an arbitration proceeding and obtain an arbitration award

pursuant to this arbitration provision. 2) The following sentence is deleted from Paragraph 1, G. ADDITIONAL CONDITIONS:

This policy evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation

and enforcement of this Arbitration Agreement. (All other terms of Paragraph 1, G. ADDITIONAL CONDITIONS apply.)

West Virginia: Arbitration is voluntary. Each party will select an arbitrator. The two arbitrators will select a third arbitrator. If

they cannot agree upon the selection of a third arbitrator within 30 days, both parties must request the selection of a third

arbitrator be made by a judge of a court having jurisdiction. A decision agreed to by any two will be binding. Payment of the

arbitrator’s fee shall be made by us if coverage is found to exist. If coverage is not found, each party will: (a) pay its chosen

arbitrator; and (b) bear the other expenses of the third arbitrator equally.

Miscellaneous

Michigan: The following notice is required: This policy is exempt from the ﬁling requirements of section 2236 of the

insurance code of 1956, 1956 PA 218, MCL 500.2236.

Tech Support for Verizon Business Complete Terms of Service

16 TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE

TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE

Tech support for Verizon Business Complete Terms of Service is a legal agreement between you, the end user (hereinafter,

“You”) and Cellco Partnership d/b/a Verizon Wireless (hereinafter, “Us” or “We”). Your use of tech support (the “Services”)

is subject to the Tech Support for Verizon Business Complete Terms of Service described below (the “Terms”); Your

use is also subject to the Verizon Wireless contract that governs Your wireless service relationship with Us (the Verizon

Wireless Customer Agreement, the Verizon Wireless Major Account Agreement or the Verizon Wireless Enterprise Account

Agreement, (collectively the “Verizon Wireless Service Agreement”)), including its mandatory binding arbitration provision,

which is available at www.verizonwireless.com. Please read both these Terms and the Verizon Wireless Service Agreement

carefully and do not use the Services if You disagree with them. Additional information about the Services is available at

www.verizonwireless.com.

Supported Smartphones & Use of Services

We, directly or indirectly, will provide the Services in accordance with these Terms. The Services are available for

smartphones associated with each line enrolled in Verizon Business Complete or Verizon Business Core Mobile Bundle

(such devices collectively referred to as a “Supported Smartphone”). To use the Services, You must have an active

Verizon Wireless account and a Supported Smartphone, and You must provide Us with the mobile number associated

with Your Supported Smartphone when seeking Services. Data usage charges may apply to the Services, and You are

solely responsible for their payment. In some circumstances, You may need to download certain Apps or supply and/or

purchase additional equipment or software to receive the full beneﬁt of the Services, and You are responsible for the cost

of that equipment or software. Services may also include services provided at a third-party service provider that has been

contractually retained by Verizon Wireless or it’s Services supplier.

Scope of the Services. The following Services are provided as described below:

Onboarding Support

The Services include guided device setup and conﬁguration of your Supported Smartphones through onboarding support,

including assistance with (a) device activation and setup; (b) download of supported device apps and set up of security

settings per Verizon Wireless requirements; (c) assistance with Wi-Fi and smart device and accessory connectivity in

connection to your Supported Smartphone; (d) support with data backup, restoration, and data transfer from the Cloud

in regards to your Supported Smartphone; and (e) mobile device management solutions set up and guided conﬁguration,

excluding functionality requiring administrative rights.

Technical Support Services

The Services include technical support provided by experts for: (a) Your Supported Smartphone(s) and the operating

systems and software applications on it; and (b) the use of Your Supported Smartphone(s) with other devices and services

manufactured to be compatible with Your Supported Smartphone(s) or intended to be connected to it (the “Technical

Support Services”).

The Technical Support Services do not include: (a) assistance with wireless network coverage issues, such as dropped calls/

data interruptions; (b) facilitating or activating over-the-air updates to operating systems, ﬁrmware, or other software on Your

behalf; (c) diagnostic support unrelated to your Supported Smartphone (unless otherwise described herein); (d) modiﬁcation

of Original Equipment Manufacturer (“OEM”) software; (e) installation of third-party software or OEM drivers not supported

by the Supported Smartphone; (f) setup or repair of peripherals or home or wireless routers, modems or networks; (g)

installation of non-sanctioned applications as determined by Us in our sole discretion; (h) data migration from computer

device to computer device; or (i) assistance with specialized devices related to medical care, including but not limited to,

emergency assistance/ﬁrst responder devices.

17 TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE

Verizon Mobile Device Management

Mobile Device Management (“MDM”) can help you manage, conﬁgure and protect smartphones and monitor compliance

with Your business’ mobile device policies. Features and/or capabilities to manage smartphones include, but are not limited

to, preventing users from changing settings, providing the ability to conﬁgure security settings remotely, restricting device

capabilities, enforcing corporate policies such as passwords and encryption, installing and blocking applications on devices,

locking and wiping devices remotely and conﬁguring Wi-Fi policies. You agree to implement and maintain security measures

with respect to MDM that effectively restrict access to MDM to authorized personnel with a need to know, and that protects

the MDM platform from unauthorized use or access. You shall ensure that MDM is not accessed, used, or made available to

third parties or to Your employees who are not authorized to access the MDM service.

Device Refresh

The Services include access to device refresh services to optimize device functionality and performance of Supported

Smartphones. Device refresh services include device diagnostics and checkups for certain performance indicators, such as

assessment of device speed, signal strength, and battery performance of Your Supported Smartphone. The availability of

these services is contingent on certain criteria, including smartphone model type and technician availability. These services

are diagnostic only, and do not include troubleshooting, triage, repair or replacement services. Device refresh services

also include unlimited sanitization of Your Supported Smartphone, case, screen and ports. Device refresh services may be

provided to You via web or at one of Our authorized repair locations, which are subject to change at any time. Visit verizon.

com/businesscompletesupport to learn more.

Same-Day Delivery and Setup for Insurance Replacements

In select locations, if you ﬁle a claim for an eligible smartphone under the Wireless Phone Protection for Verizon Business

Complete insurance program and are offered a replacement device, you may be eligible for setup services. Your eligibility

for setup services under the Wireless Phone Protection for Verizon Business Complete program will be determined based on

the following criteria: (1) Your requested delivery location; (2) smartphone model eligibility; (3) time that Your Wireless Phone

Protection for Verizon Business Complete claim is ﬁled and approved; and (4) availability of a setup expert. Only claims ﬁled

and approved by 4:00 p.m., local time, and that meet Our eligibility requirements, may receive a replacement device from

a setup expert by 9:00 p.m., local time, on the same day the claim was ﬁled and approved. Your Supported Smartphone’s

eligibility for this setup service is determined at the time an insurance claim is made and approved. Setup services are

available in select locations and for select smartphones only. Check www.phoneclaim.com/verizon to determine if Your

Supported Smartphone is eligible and to determine locations where setup services are available.

Setup services provided with same-day delivery for insurance replacements include device activation, data migration

services and/or initial device conﬁguration and connectivity. Setup services will not include dismantling or installation of

equipment unrelated to the replacement device. In order to be eligible for setup services, someone at least 18 years of age

must be present at all times while the setup expert is on site and performing the requested setup services. The setup expert

will contact You prior to delivering Your device and setup services to verify the delivery window. If You do not conﬁrm Your

availability for Your scheduled delivery and setup services, We reserve the right to cancel Your delivery and setup services.

If eligible for setup services, You may be required to sign a consent form to perform the requested services prior to any

services being performed. You agree to provide a safe, non-threatening environment for the setup expert to perform the

setup services. The setup expert has the right to terminate setup services if they feel that You are not complying with any

requirements contained in these Terms or any consent provided prior to the initiation of the setup services. Setup services

will continue until completion only if completion can occur within a reasonable amount of time, reasonableness will be at the

discretion of the setup expert. In the event the setup services are stopped prior to Your device setup being complete, You

may continue the setup services by engaging with a technical expert. Limitations and exclusions may apply.

18 TECH SUPPORT FOR VERIZON BUSINESS COMPLETE TERMS OF SERVICE

Laptop Health Check-ups

The Services include laptop health check-up services. Laptop health check-up services are available for laptops eligible for

Technical Support Services (such devices collectively referred to as “Supported Laptop(s)”) and include: (a) technical support

for Your Supported Laptop and the operating systems and software applications on them; (b) technical support with malware

and virus prevention and removal; and (c) technical support for Your Supported Laptop (if applicable) as it relates to the

assessment of the product’s performance. Laptop health check-up services may include speciﬁc technical support services

provided at select uBreakiFix

by Asurion or Asurion Tech Repair & Solutions™ locations for in-person tech support or via

experts. The availability of these services is contingent on certain criteria, including laptop model/type, which are subject to

change at any time, and technician availability. These services are diagnostic only, and do not include troubleshooting, triage,

repair or replacement services. Laptop health check-up services may also include anti-virus software installation, scanning

and virus removal (if applicable).

Laptop health check-up services do not include: (a) setup or repair of peripherals or home or wireless routers, modems or

networks; (b) installation of non-sanctioned applications on a laptop as determined by Us in our sole discretion; (c) diagnostic

support unrelated to your Supported Laptop; (d) data migration from laptop to laptop; or (e) assistance with specialized

devices related to medical care, including but not limited to, emergency assistance/ﬁrst responder devices.

Off-Boarding Support

The Services include off-boarding support when notice of termination of Your enrollment in Verizon Business Complete or

Verizon Business Core Mobile Bundle has been provided by either You or Us. Offboarding support includes, but is not limited

to (a) data cloud backup and remote data wiping of Your Supported Smartphones; (b) removal of FindMy and mobile device

management functionality prior to the return of Your Supported Smartphones; and (c) assistance with shipping instructions

regarding the return of Your Supported Smartphone. Verizon Wireless will also provide any materials necessary for the return

of Your Supported Smartphone to Us.

Your Responsibilities in Accessing the Services

Backup of Software and Data

You are responsible for backing up the software or data stored on Your Supported Smartphone and other devices included

in the Services (including Supported Laptop(s)). Verizon Wireless is not responsible for any loss, alteration or corruption of

any software or data, and We may decline to provide Services to You if it is determined that You have not taken appropriate

back-up measures. When providing Services, experts may be required to remotely access Your Supported Smartphone and

other devices included in the Services (including Supported Laptop(s)), such as any data, videos, pictures, text messages or

other content thereon. It is Your responsibility to remove any sensitive content on Your Supported Smartphone to the extent

You believe necessary to prevent access by experts.

Remote Access Applications

To receive Services, You may be required to run certain software applications on Your Supported Smartphone and other

devices included in the Services (“Software”). The Software may include tools that allow Verizon Wireless to access Your

device and any content stored thereon remotely. You agree to comply with the terms applicable to the Software, and in the

event of a conﬂict between those terms and these Terms and the Verizon Wireless Service Agreement, the Software-speciﬁc

terms control with regard to the Software only. You acknowledge and agree that You will not copy or modify the Software or

any other materials provided to You in connection with the Services.

Representations and Authorizations

When seeking Services, You represent that You are an authorized user of the Supported Smartphone or other devices

included in the Services, as well as any software thereon, and We reserve the right to refuse to provide Services to You if

We determine that You are not an authorized user. When seeking Services, You: (a) expressly consent to experts remotely

accessing Your Supported Smartphone, other devices included in the Services and any data, videos, pictures, text messages

or other content thereon (including content that may be personal, conﬁdential or otherwise sensitive in nature); (b) expressly

authorize experts to effect changes to Your devices, to the extent necessary to provide the Services, and You acknowledge

and agree that such changes may be permanent and irreversible; and (c) if eligible, and choose to have Your newly

purchased or replacement smartphone delivered to you same-day with setup services, expressly authorize a setup expert

to deliver Your replacement device to Your home (or requested delivery location), and consent to a delivery and setup expert

performing certain setup services in Your home (or requested delivery location), subject to this Agreement.

Passwords

If You know or suspect that the passwords associated with or stored on Your Supported Smartphone have been available to

or accessed by anyone as a result of Your use of the Services, You should immediately change or reset those passwords.

Claim Limitation

Subject to the Arbitration provision in your Verizon Wireless Service Agreement and unless otherwise allowed by applicable

law, any claim related to the Services shall be brought within one (1) year of the events giving rise to the claim. Failure to

assert any such claim during that time results in the claim being forever barred.

Other Important Information Concerning the Services

Commercially Reasonable Efforts

Verizon Wireless will use commercially reasonable efforts to provide the Services. This means that if We are unable to

resolve Your issue after making commercially reasonable efforts, We have the right and discretion to refuse to take further

efforts to do so. Additionally, in some instances, We may have limited information from vendors, manufacturers and

developers, and We may not have the ability to obtain the proprietary or other information required to resolve Your issue.

Some technical problems that You encounter may be the result of software or hardware errors not yet resolved by the

vendors, manufacturers or developers of that software or hardware, in which case We may not be able to resolve Your issue.

In those circumstances, You still are liable for any fees or charges associated with the Services.

Right to Terminate

Verizon Wireless reserves the right to suspend or terminate Your use of the Services at any time and for any reason,

including for abuse, excessive usage or failure to pay any fees or charges associated with the Services. We also reserve the

right to change the scope or extent of the Services at any time and for any reason. Any refund of fees or charges associated

with the Services that We may agree to pay in such circumstances will be limited to the fees You paid in the prior month for

the Services. If You wish to terminate Your access to the Services, please contact Us by calling (800) 922-0204 or visiting

www.verizonwireless.com.

TECH SUPPORT FOR VERIZON BUSINESS COMPLETE

(EFFECTIVE November 8, 2022)

COV55184

DAASTCS1027

VZW-1084850-22