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B18YR2NGIUW7

Warranty Number


B18YR2NGIUW7

CHERYL COSTA

51 MAPLE ST
N/A
ROCKLAND MA, 02370
6175127693

Store: 2518

N/A
N/A
N/A, N/A

Sale Date: 04/27/2023
Transaction/Register No: 96056/1
Price Paid: $10912.45

SKU: 455578207
Desc: PLAT CUSTOM DIAMOND RING



FOREVER CHERISHED™ LIFETIME PROTECTION PLAN

NOW YOU CAN PROTECT YOUR FINE JEWELRY PURCHASE WITH SIGNET SERVICE PLANS INC.’s
(SSPI) FOREVER CHERISHED™ LIFETIME PROTECTION PLAN


WHAT IS COVERED:

The SSPI FOREVER CHERISHED™ LIFETIME PROTECTION PLAN (Plan) makes it easy to
keep your ring beautiful, clean, strong and worry-free. This one-time purchase
provides a lifetime of protection, as well as precious peace-of-mind. The Plan
will provide the following repairs or replacement necessary to maintain your
jewelry under normal conditions. The Plan covers the following repairs necessary
as a result of damage due to normal wear and tear or due to a manufacturing
defect in materials or workmanship.



 * Ring Sizing (up or down two sizes)
 * Retip & Rebuild Prongs
 * Stone Tightening & Resetting
 * Repair Damaged Mounting
 * Refinish & Polish
 * Rhodium Finish
 * Free Lifetime Cleaning & Inspection



Repairs may be made with non-original manufacturer parts. Select merchandise
design or materials may not allow for repair; however, that merchandise may be
eligible for a one-time replacement as outlined below.


FOREVER CHERISHED™ LIFETIME PROTECTION PLAN TERMS & CONDITIONS

This FOREVER CHERISHED™ LIFETIME PROTECTION PLAN (FCLPP) is subject to the
following terms and conditions:

   THIS PLAN IS A LEGAL CONTRACT BETWEEN YOU AND US (AS HEREINAFTER DEFINED). IT
   REQUIRES YOU TO RESOLVE ANY DISPUTES WITH US THROUGH BINDING AND INDIVIDUAL
   ARBITRATION AND LIMITS OUR LIABILITY TO YOU. PLEASE READ THIS PLAN CAREFULLY
   AND COMPLETELY. IF YOU DO NOT AGREE WITH ANY OF ITS PROVISIONS, DO NOT USE
   THE SERVICES OFFERED BY THIS PLAN. THIS IS NOT A CONTRACT OF INSURANCE.

 * DEFINITIONS: Throughout this Plan, the word (1) “Plan” means this Forever
   Cherished™ Lifetime Protection Plan; (2) “Merchandise” means the merchandise
   identified on Your sales receipt as covered by the Plan; (3) “Purchase Price”
   means the purchase price of the Merchandise as shown on Your sales receipt,
   excluding sales tax; (4) “We,” “Us,” and “Our” means Signet Service Plans,
   Inc., 375 Ghent Road, Akron, Ohio 44333, 1-800-877-8169, the party obligated
   to provide services services to You under the Plan; (5) “You” and “Your”
   means (a) the original customer who purchased the Merchandise covered by this
   Plan, (b) the lessee under a rental or lease-purchase arrangement
   (collectively, “LTO Arrangement”) if the Merchandise was purchased under an
   LTO Arrangement, or (c) the original receiver of the Merchandise, in the case
   of a gift; and (6) “Retailer” means Jared, the retailer from which you
   purchased the Merchandise and this Plan. .

 * YOUR OBLIGATIONS: You must (1) retain the original paid receipt for this Plan
   as proof of purchase of the Plan and for identification of the Merchandise
   and (2) perform all maintenance required to keep the Merchandise in usable
   and wearable condition, and as provided by any instructions, warranties, or
   guarantees applicable to the Merchandise.
   
   Items purchased through a lease, as defined in section Rental or Lease
   Purchase, will receive replacement merchandise if the eligible repairs cannot
   be completed for any reason; items purchased through a lease are not eligible
   for receipt of a merchandise credit while under the lease contract, until
   such time you acquire ownership of said item.

 * WHAT IS COVERED: This Plan covers: (1) Repair or replacement of the
   Merchandise if it fails (a) as a result of normal wear and tear during normal
   usage under the conditions for which it was designed or (b) due to a defect
   in materials or workmanship; and (2) if the Merchandise is a ring, ring
   sizing up to two sizes up or down, provided that the design and materials of
   the Merchandise permit such sizing increase or decrease.
   
   All repairs shall be completed by Us or by such other repair center of Our
   choice. We may make repairs with non-original manufacturer’s parts of like
   kind and quality. Due to the design or materials, some Merchandise may not
   allow for repair or ring sizing; however, that Merchandise may be eligible
   for a one-time replacement as outlined in the MERCHANDISE REPLACEMENT section
   below.

   

   WHAT IS NOT COVERED: THIS PLAN DOES NOT COVER:

   

    1.  Any diamond or gemstone in the Merchandise;
    2.  Watches;
    3.  Special, indirect, incidental or consequential damages, no matter the
        cause;
    4.  Loss of use during the period that the Merchandise is being repaired or
        awaiting parts or replacement;
    5.  If You purchase this Plan after You purchased the Merchandise, any and
        all preexisting conditions in the Merchandise that occurred prior to the
        effective date of the Plan;
    6.  Damage resulting from failure to perform required maintenance to keep
        the Merchandise in a usable and wearable condition or as provided by any
        instructions, warranties, or guarantees;
    7.  Loss, theft, mysterious disappearance or damage resulting from loss,
        theft, or mysterious disappearance;
    8.  Misuse or abuse;
    9.  Unauthorized repairs or alterations made by You (meaning any
        modifications, alterations, repairs, or service by anyone other than Us
        or a repair center authorized by Us);
    10. Loss or damage due to the elements or acts of God;
    11. Damage covered under any insurance policy, or other warranties or
        service plans applicable to the Merchandise;
    12. Insignificant cosmetic damage that does not impede the functionality of
        the Merchandise;
    13. Engraving or personalization; provided that, if the Merchandise is
        engraved, We will perform standard re-engraving, excluding deluxe or
        image engraving or personalization, if necessary in connection with a
        covered repair, replacement or ring sizing;
    14. Ring sizing in excess of two sizes up or down or sizing that requires
        replacement of the shank;
    15. Service when no problem is found; and
    16. Service to re-build or replace solely for the purpose of improving the
        Merchandise.

   

   LIMITATION OF LIABILITY: Our total liability under this Plan is: (1)
   replacement of the Merchandise or merchandise credit equivalent to the
   Purchase Price as outlined in the MERCHANDISE REPLACEMENT section below or
   (2) the total value of all authorized repairs or services up to the Purchase
   Price. In the event that We have met either of the above conditions (1) or
   (2) of the total liability, We will have fulfilled all obligations owed to
   You under this Plan and this Plan will terminate. Once our total liability is
   satisfied, You are responsible for any additional expenses for repairs or
   replacement not covered under the Plan.

   NO DEDUCTIBLE:You are not required to pay any deductible under the Plan.

   MERCHANDISE REPLACEMENT: If We cannot complete covered repairs for any
   reason, We reserve the option to replace the Merchandise with similar
   merchandise or a merchandise credit equivalent to the Purchase Price, at Our
   discretion. Any replacement merchandise we provide You under the Plan will be
   new merchandise with equal or similar features and functionality, but not
   necessary the same item as the replaced Merchandise. If We replace the
   Merchandise or provide a merchandise credit, You must return the Merchandise
   to Us and such Merchandise shall become Our property. This Plan does not
   cover any deluxe or image engraving or personalization or other custom work
   on the replaced merchandise, which You may have re-done at Your expense

   Replacement merchandise is not covered under this Plan; however, You have the
   option to purchase a new Plan on the replacement merchandise.

   Merchandise purchased through an LTO Arrangement is not eligible for a
   merchandise credit while under the LTO Arrangement until such time You
   acquire ownership of the Plan and the Merchandise.

   IF THE MERCHANDISE REQUIRES SERVICE: To obtain service under the Plan,
   regardless of whether this Plan was purchased online or in-store, You must
   present the Merchandise and the original paid receipt for the Plan to any of
   Retailer’s locations in service as of the date of presentation. In all cases,
   You must give us the Merchandise to be serviced. To find a location where You
   can present this Plan, please call 1-800-877-8169 or visit www.Jared.com.

   TERM: The term of this Plan shall commence on the date this Plan is purchased
   as printed on your sales receipt and shall continue for Your lifetime or
   until Our liability under this Plan has been satisfied, whichever is the
   first to occur. This Plan shall automatically terminate upon Our replacement
   of the Merchandise or if You use the Merchandise as a trade-in or trade-up;
   however, You may have the option to purchase a new Plan on the replacement or
   new merchandise. You cannot use Merchandise purchased through a LTO
   Arrangement as a trade-in or trade-up, until such time as You acquire
   ownership of the Merchandise.

   Your sales receipt and shall continue for Your lifetime or until Our
   liability under this Plan has been satisfied, whichever is the first to
   occur. This Plan shall automatically terminate upon Our replacement of the
   Merchandise or if You use the Merchandise as a trade-in or trade-up; however,
   You may have the option to purchase a new Plan on the replacement or new
   merchandise. You cannot use Merchandise purchased through a LTO Arrangement
   as a trade-in or trade-up, until such time as You acquire ownership of the
   Merchandise.

   CANCELLATION:

   Cancellation by You. You may cancel this Plan for any reason at any time by
   visiting any of Retailer’s locations and requesting cancellation. If You
   request cancellation within thirty (30) days of the original purchase date of
   this Plan, You shall receive a full refund of the purchase price of the Plan,
   less the value of any Plan services You received. If You request cancellation
   of this Plan more than thirty (30) days after the original purchase date of
   this Plan, then You will receive a pro-rated refund of the purchase price of
   this Plan (based on the assumed duration of the Plan, solely for cancellation
   purposes, of five (5) years), less the value of any Plan services You
   received. A ten percent (10%) penalty per thirty (30) day period shall be
   added to any cancellation refund not paid or credited to You by Us within
   thirty (30) days after the date of cancellation.

   Cancellation by Us. We may not cancel the Plan except for non-payment, fraud
   or material misrepresentation by You. If we cancel this Plan, We will send
   You a notice of cancellation at least thirty (30) days prior to cancellation.
   Such notice will specify the reason and effective date of the cancellation.
   If We cancel this Plan, You will receive a pro-rated refund of the purchase
   price of this Plan (based on the assumed duration of the Plan, solely for
   cancellation purposes, of five (5) years), less the value of any services You
   received under this Plan.

   RENTAL OR LEASE PURCHASE (LTO Arrangements): If You leased this Plan and the
   Merchandise under an LTO Arrangement, You are entitled to all non-cash
   benefits under this Plan until You acquire ownership of this Plan and the
   Merchandise. Until You acquire ownership of this Plan and the Merchandise,
   any rights to a settlement or cancellation refund under this Plan will belong
   to the lessor under the LTO Arrangement who owns the Merchandise and is the
   payee of cash benefits under this Plan until You fulfill Your obligations
   under the LTO Arrangement. Upon fulfilling Your obligations under the LTO
   Arrangement and acquiring ownership of this Plan and the Merchandise, You are
   entitled to all benefits under this Plan. The rights of the Plan will
   transfer from the lessor (Progressive) to You, the lessee (customer), upon
   ownership.

   A Plan is not available for purchase on LTO Arrangements in California,
   Indiana and New York. Terms and conditions regarding Lease/Lease-to-Own
   products in those states as related to the Plan are not applicable.

   LTO Arrangements and their terms and conditions described herein are not
   applicable in Minnesota, New Jersey, Vermont, Wisconsin and Wyoming.

   FULL FAITH AND CREDIT: Our obligations under this Plan are backed only by Our
   full faith and credit and are not guaranteed under a service contract
   reimbursement insurance policy unless otherwise provided by any applicable
   state variation set forth in this Plan. The purchase of this Plan is
   optional. THIS PLAN IS NOT AN INSURANCE CONTRACT.

   TRANSFER LIMITATIONS: Except for purchases under a LTO Arrangement, this Plan
   may not be transferred and is only for Your benefit. All holders of this Plan
   are subject to the terms and conditions contained herein.

   ARBITRATION AGREEMENT: For the purpose of this arbitration agreement (“A.A.”)
   only, references to “We” and “Us” also include Our parents, subsidiaries,
   affiliates, service contract insurers, agents, employees, successors, and
   assigns.

   Most of Your concerns about this Plan can be addressed by contacting Us at
   1-800-877-8169. In the event We cannot resolve any dispute with You,YOU AND
   WE AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION OR
   THROUGH SMALL CLAIMS COURT INSTEAD OF THROUGH COURTS OF GENERAL JURISDICTION.
   YOU AND WE AGREE TO WAIVE THE RIGHT TO A TRIAL BY JURY AND WAIVE THE RIGHT TO
   BRING OR PARTICIPATE IN, IN ANY CAPACITY, CLASS ACTIONS, CLASS ARBITRATIONS
   OR OTHER REPRESENTATIVE PROCEEDINGS.

   This A.A. shall survive termination of the Plan and shall be governed by the
   Federal Arbitration Act. This A.A. shall be interpreted broadly, and includes
   any dispute You have with Us that arises out of or relates in any way to the
   Plan or the relationship between You and Us, whether based in contract, tort,
   statute, fraud, misrepresentation or otherwise. However, this A.A. does not
   preclude You from bringing an individual action in small claims court or
   informing any federal, state or local agencies or entities of your dispute.
   They may be able to seek relief on Your behalf.

   To initiate arbitration, send a written Notice of Claim describing the
   dispute and the relief sought to: Signet Service Plans, Inc., 375 Ghent Road,
   Akron, Ohio 44333 by certified mail. If We do not resolve the dispute within
   thirty (30) days of Our receipt of the Notice, You may start an arbitration
   with the American Arbitration Association (“AAA”), which will be administered
   in accordance with the Consumer Arbitration Rules (“Rules”). You can contact
   the AAA and obtain a free copy of the Rules and instructions on how to
   initiate arbitration at www.adr.com or at 1-800-778-7879.

   The arbitrator is bound by the terms of this A.A, and shall decide all
   issues, except issues relating to enforceability of this A.A., which may be
   decided by a court. The arbitration will be conducted by submitting documents
   to the arbitrator, unless You request an in person or telephonic hearing and
   the arbitrator decides that a hearing is necessary or a hearing is required
   by the Rules. Unless otherwise agreed, any hearing will take place in the
   county or parish of your mailing address. We will pay all filing,
   administration and arbitrator fees for any arbitration, unless Your dispute
   is found by the arbitrator to have been filed for the purpose of harassment
   or is patently frivolous. In that case, the Rules will govern payment of such
   fees.

   The arbitrator shall issue a decision including a statement of facts and
   supporting law. If the arbitrator finds in Your favor and issues a damages
   award that is greater than the value of the last settlement We offered or if
   We made no settlement offer and the arbitrator awards You any damages, we
   will pay You the amount of any damage award and pay the attorneys’ fees and
   expenses You reasonably incurred in the arbitration, if any. While that right
   to fees and expenses is in addition to any right You may have under
   applicable law, You may not recover duplicate awards of fees and expenses.

   If you seek declaratory or injunctive relief, that relief can be awarded only
   to the extent necessary to provide you relief. YOU AND WE AGREE THAT EACH
   PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND
   NOT IN A PURPORTED CLASS ACTION, CLASS ARBITRATION OR OTHER REPRESENTATIVE
   PROCEEDING. Unless You and We agree otherwise, the arbitrator may not
   consolidate Your dispute with any other person’s dispute and may not preside
   over any form of representative proceeding. If this provision is found to be
   unenforceable, then the entirety of this A.A. shall be null and void.

   ENTIRE AGREEMENT: This document, and to the extent referenced in this
   document, Your sales receipt, contain the entire agreement between the
   parties with respect to the Plan and no representation, promise, or condition
   not contained herein shall modify the terms of the Plan.

   STATE VARIATIONS: If you reside in one of the following states, the state
   specific variation shall supersede and control if inconsistent with any other
   terms and conditions of the Plan.

   Alabama – No claim incurred or paid will be deducted from the amount to be
   refunded to you in the event of cancellation of this Plan.

   Arizona – Under WHAT IS NOT COVERED, preexisting conditions is deleted and
   replaced with the following: Any and all pre-existing conditions that occur
   prior to the effective date of this Plan, except if such conditions were
   known or should reasonably have been known by Us or Our subcontractors. The
   following is added to CANCELLATION: No claim incurred or paid will be
   deducted from any cancellation refund regardless of who initiates the
   cancellation. We will not cancel or void this Plan due to acts or omissions
   of Us for failure to provide correct information or to perform the services
   or repairs provided in a timely, competent, workmanlike manner, preexisting
   conditions that were known or should have reasonably been known by Us. The
   Arbitration Agreement of this Plan does not preclude You from contacting the
   Consumer Protection Division of the Arizona Department of Insurance and
   Financial Institutions.

   California – In home service is not provided, and We will not pay the costs
   of transporting the Merchandise to any of Our store locations for service. We
   are not responsible for preventative maintenance. You may cancel this Plan
   within sixty (60) days of receipt of the Plan, and You will receive a full
   refund if You have not made a claim. If You have made responsible for
   preventative maintenance. You may cancel this Plan within sixty a claim or
   cancel after sixty (60) days of receipt of the Plan, You will receive a pro
   rata refund (for cancellation made a claim. If you have made a claim or
   cancel after sixty (60) days of receipt of the Plan, you will receive a pro
   rata refund (for cancellation purposes, based on a purposes, based on a five
   (5) year duration).

   Connecticut – You may cancel this Plan if You return the Merchandise or the
   Merchandise is sold, lost, stolen or destroyed, subject to the terms and
   conditions related to refunds set forth in this Plan. In the event that You
   have attempted but are unable to resolve a dispute with Signet Service Plans,
   Inc., You may contact The State of Connecticut, Insurance Department, PO Box
   816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint
   must contain a description of the unresolved dispute, the purchase price of
   the Merchandise, the cost of repair of the Merchandise and a copy of the
   Plan. Our obligations under this Plan are insured under a service contract
   reimbursement policy issued by Zale Indemnity Company. Should We fail to
   provide, or reimburse or pay for, any claim covered under this Plan within
   sixty (60) days of filing such a claim, or if We become insolvent or
   otherwise financially impaired, You are entitled to make a direct claim
   against the insurer by submitting Your claim in writing to Zale Indemnity
   Company, 9797 Rombauer Road, Dallas, Texas 75019, 972-580-4000.

   Florida – In the event the Plan is canceled by You, return of premium shall
   be based upon one hundred percent (100%) of unearned pro rata premium less
   any claims that have been paid or less the cost of repairs made on Your
   behalf. In the event the Plan is canceled by Us, return of premium shall be
   based upon one hundred percent (100%) of unearned pro rata premium less any
   claims that have been paid or less the cost of repairs made on Your behalf.
   The purchase price of this Plan is not subject to regulation by the Florida
   Office of Insurance Regulation of the Financial Services Commission.

   Georgia – You may cancel at any time upon demand.If you cancel within 30 days
   of the original purchase date of the Plan, you will receive a full refund of
   the Purchase Price of the Plan. If You cancel the Plan more than 30 days
   after the original purchase date of the Plan, then You will receive the
   unearned pro-rata Purchase Price of the Plan. This Plan is guaranteed by a
   surety bond issued by Western Surety Co., 101 S. Phillips Ave., Sioux Falls,
   SD 57104-6735. If a claim for service or a refund under the Plan is not
   honored by Us within sixty (60) days after You have claim to Us in accordance
   with the terms and conditions of the Plan, you may make such claim directly
   with Western Surety Co. As stated in the Arbitration Agreement of this Plan,
   either party may bring an individual action in small claims court. The
   Arbitration Agreement provision does not preclude you from bringing issues to
   the attention of federal, state, or local agencies or entities of your
   dispute. Such agencies or entities may be able to seek relief on Your behalf.
   You and We agree to waive the right to a trial by jury and waive the right to
   participate in class actions and class arbitrations or other similar
   proceedings. Nothing contained in the Arbitration Agreement provision of this
   Plan shall affect Your right to file a direct claim under the terms of this
   Plan against Western Surety Company pursuant to O.C.G.A. 33-7-6.

   Maine - The following State Specific Requirement IS ADDED TO AND BECOMES PART
   OF YOUR SERVICE PLAN and supersedes any other provision to the contrary:The
   following is added to Your Service Plan: You may, within twenty (20) calendar
   days of mailing of the Service Plan, or ten (10) days if delivered at time of
   sale, reject and return this Service Plan. Upon return of the Service Plan
   within the applicable time period, if no claims have been made, You will be
   refunded the full Service Plan Price including any sales tax refund. A ten
   percent (10%) penalty per month shall be added to a refund that is not paid
   or credited within forty-five (45) days after the return of the Service Plan.
   This provision applies only to the original purchaser. The CANCELLATION
   provision is amended by deleting the following statement in its entirety:
   Prior notice of cancellation is not necessary if canceled due to nonpayment
   of the Service Plan Price or material misrepresentation. Claims will not be
   backed by a reimbursement policy.

   

   Nevada – This contract is not renewable. If We or You cancel, no costs of
   services will be deducted from Your pro rata refund. If You are not satisfied
   with the manner in which We are handling the claim on the Plan, You may
   contact the Division of Insurance toll-free at (888) 872-3234.

   New Hampshire – In the event you do not receive satisfaction under this Plan,
   you may contact the New Hampshire Insurance Department by mail at State of
   New Hampshire Insurance Department, 21 South Fruit Street, Suite 14, Concord,
   New Hampshire, 03301 or by telephone, via consumer assistance at
   1-800-852-3416. The Arbitration Agreement provision of this Plan is subject
   to Revised Statues Annotated 542.

   New Mexico – Final Plan price to be determined prior to presentation to
   consumer for signature.

   North Carolina – Purchase of this Plan is not required to purchase or finance
   the jewelry covered by this Plan.

   Oklahoma – Oklahoma service warranty statutes do not apply to commercial use
   references in service warranty contracts. Coverage offered by this Plan is
   not guaranteed by the Oklahoma Insurance Guaranty Association. In the event
   you cancel this Plan, return of the premium shall be based upon 90% of the
   unearned pro rata premium less the actual cost of any service provided under
   the Plan. THIS IS NOT AN INSURANCE CONTRACT.

   Oregon – If You do not receive satisfaction under this Plan, You may contact
   the Oregon Insurance Division, Consumer Advocacy Unit, at 350 Winter Street
   NE, Salem, Oregon 97301 or by phone at 1-888-877-4894. Merchandise, as used
   in this Plan, is defined as the jewelry that has been purchased and is
   covered by this Plan. The Arbitration Agreement provision of this Plan is
   replaced with the following: “For the purpose of this Arbitration Agreement,
   refences to “We” and “Us” also include Our parents, subsidiaries, affiliates,
   service contract insurers, agents, employees, successors and assigns. Most of
   Your concerns about the Plan can be addressed by simply contacting Us at
   800-311-5393. In the event we cannot resolve any dispute, You and We may, in
   a separate agreement, consent to arbitration. YOU AND WE AGREE THAT EACH
   PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND
   NOT AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION,
   CLASS ARBITRATION OR OTHER SIMILAR PROCEEDING. Any arbitration proceedings
   shall be conducted within the state of Oregon.”

   South Carolina – In the event of a dispute with the provider of this
   contract, you may contact the South Carolina Department of Insurance, Capitol
   Center, 1201 Main Street, Suite 1000, Columbia, South Carolina 29202-3105,
   1-800-768-3467.

   Texas – If You purchased this Plan in Texas, unresolved complaints concerning
   Us or questions concerning the regulation of a service contract provider may
   be addressed to the Texas Department of Licensing and Regulation, P.O. Box
   12157, Austin, Texas 78711, telephone number 512-463-6599 or 800-803-9202.

   Virginia – If any promise made in this Plan has been denied or has not been
   honored within sixty (60) days after Your request, You may contact the
   Virginia Department of Agriculture and Consumer Services, Office of
   Charitable and Regulatory Programs at:
   www.vdacs.virginia.gov/food-extended-service-contract-providers.shtml to file
   a complaint. All other terms and conditions of the PLAN are unchanged.

   

   Wisconsin – THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF
   THE COMMISSIONER OF INSURANCE. Our obligations under this Plan are insured
   under a service contract reimbursement insurance policy issued by Zale
   Indemnity Company. Should We fail to provide, or reimburse or pay for, any
   claim covered under this Plan within sixty (60) days of filing such a claim,
   or if We become insolvent or otherwise financially impaired, You are entitled
   to make a direct claim against the insurer by submitting Your claim in
   writing to Zale Indemnity Company, 9797 Rombauer Road, Dallas, Texas 75019,
   (972) 580-4000. The second and third sentences of the second paragraph of the
   Arbitration Agreement provision of this Plan are replaced with the following:
   (1) TO RESOLVE DISPUTES, YOU MAY CHOOSE EITHER BINDING ARBITRATION, PURSUANT
   TO THE ARBITRATION AGREEMENT PROVISION OF THIS PLAN, OR SMALL CLAIMS COURT.
   BY AGREEING TO THIS CONTRACT, YOU AND WE WAIVE THE RIGHT TO HAVE DISPUTES
   RESOLVED THROUGH COURTS OF GENERAL JURISDICTION, THE RIGHT TO TRIAL BY JURY,
   AND WAIVE THE RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS OR
   OTHER SIMILAR PROCEEDINGS; and (2) the phrase “and is governed by the Federal
   Arbitration Act,” in the first sentence of the third paragraph of the
   Arbitration Agreement provision of this Plan is deleted in its entirety.

   

   Wyoming – The Arbitration Agreement provision in this Plan is replaced with
   the following: “If there are disputes between You and Us that are not
   resolved by negotiations, You and We may in a separate written agreement
   voluntarily consent to arbitration. Any arbitration proceedings shall be
   conducted within the state of Wyoming.” For the purpose of this Arbitration
   Agreement, references to “We” and “Us” include Our parents, subsidiaries,
   affiliates, service contract insurers, agents, employees, successors and
   assigns and the Retailer from which you purchased this Plan.