BEST BUY BUY BACK PROGRAM AGREEMENT

This Best Buy Buy Back Program Agreement (the "Agreement") is a legal contract that governs the Best Buy Buy Back Program ("Plan"). The Agreement is between the individual that has purchased the Plan, ("you" or "your") and Chartis WarrantyGuard, Inc. ("CWG"). CWG is the obligor of the Plan and responsible for fulfilling the obligations of the Plan. Best Buy Stores, L.P. ("Best Buy") is the retailer from which you purchased this Plan and the related Device. Throughout this Agreement, the words "we", "us" and "our" refer to CWG. By purchasing the Plan, you acknowledge that this is a legal contract and you have had the opportunity to read the terms and conditions set forth in it. This Agreement and your purchase receipt comprise the entire agreement relating to the Plan. The sale and fulfillment of this Plan is only available in the United States.

1. DEFINITIONS. In addition to the terms defined elsewhere in this Agreement, the following terms have the following meanings for purposes of this Agreement:

2. SCHEDULE OF DEVICE, TERM PERIOD AND BUY BACK AMOUNT:

(a) Laptop /Desktop/Tablet/All-in-One Computers, Mobile Cellular Telephones, Pre-Paid Mobile Telephones, Computer Monitors, Blu-Ray and DVD Players, Gaming Consoles, Portable Gaming Devices, eReaders, Camcorders, Digital Cameras, DSLRs, SoundBars, GPSs, ipods/mp3 players:

CLOSE

Term Period:*

1: 6 Months from Effective Date

2: After 6 Months to 12 Months from Effective Date

3: After 12 Months to 18 Months from Effective Date

4: After 18 Months to 24 Months from Effective Date

Buy Back Amount: **

Up to 50% of the Original Purchase Price of Device

Up to 40% of the Original Purchase Price of Device

Up to 30% of the Original Purchase Price of Device

Up to 20% of the Original Purchase Price of Device


(b) Qualified Televisions:

Term Period:*

1: 6 Months from Effective Date

2: After 6 Months to 12 Months from Effective Date

3: After 12 Months to 18 Months from Effective Date

4: After 18 Months to 24 Months from Effective Date

5: After 24 Months to 48 Months from Effective Date

Buy Back Amount: **

Up to 50% of the Original Purchase Price of Device

Up to 40% of the Original Purchase Price of Device

Up to 30% of the Original Purchase Price of Device

Up to 20% of the Original Purchase Price of Device

Up to 20% of the Original Purchase Price of Device

*Your Device does not qualify for a Buy Back Amount outside of these Term Periods
** Buy Back Amount is subject to the terms of Section 9

3. DESCRIPTION OF THE PLAN. The Plan allows you to sell to CWG, and CWG hereby agrees to buy, the Device at the Buy Back Amount during the Plan Period according to the schedule and the terms and conditions set forth in this Agreement.

4. RECEIPT AND PHOTO ID REQUIRED. You will be required to have a Best Buy receipt and a government issued photo identification to initiate your claim for a Buy Back Amount. The receipt must include both your Device and unique Plan identification showing that you purchased both the Plan and the related Device. Your Device and Plan purchase must be on the same receipt to redeem. You must also present a government issued photo identification to confirm your identity as the purchaser of the Device and Plan.

5. WHEN YOU ARE READY TO CLAIM YOUR BUY BACK AMOUNT. You will need to return to a Best Buy store location with the Device and all manufacturer's accessories which came with the Device along with your original receipt documenting your purchase of the Plan and the Device and government issued photo identification. You will be required to sign an acknowledgment of transfer of ownership of the Device to the effect that: you are the rightful owner of the Device; all information you have provided is accurate; the transaction is final; it is your responsibility to remove all data from the Device; and you release CWG and Best Buy from any and all claims arising out of the transfer of the Device. This will also serve to notify you that after purchasing the Device from you, CWG intends on placing the Device in secondary retail markets where the Device will be sold to consumers and/or businesses.

6. TIME OF ESSENCE; FAILURE TO EXERCISE. Time is of the essence in this Agreement and is a material term of the Agreement. The Buy Back Amount decreases over time and if you fail to initiate a claim for the Buy Back Amount within the allotted Plan Period then your Plan will expire on the day after the Expiration Date as described in your Plan description on your original purchase receipt. After the Expiration Date you will no longer have the ability to sell your Device to CWG and receive a Buy Back Amount and CWG and Best Buy will no longer have any obligations to you under this Agreement and the Plan has no value after the Expiration Date.

7. RETENTION OF PLAN FEE; PAYMENT OF BUY BACK AMOUNT.

8. MAINTENANCE, REPAIR, NO WARRANTY, LOSS. You assume all obligations and liability with respect to the possession of the Device, and for its use, condition, and storage during the Plan Period. You will, at your own expense, maintain the Device in good condition and working order. You agree to comply with all requirements necessary to enforce all Device manufacturer warranty and service plan rights, and if the Device breaks while under manufacturer warranty or a service plan, you agree to cause the manufacturer or service plan issuer to perform the appropriate repairs before you initiate a claim for your Buy Back Amount pursuant to this Agreement. CWG and Best Buy will not be under any liability or obligation in any manner to provide service, maintenance, repairs, or parts for the Device. At all times prior to receipt of the Device by CWG, the risk of loss of the Device shall be on you. The risk of loss shall transfer to CWG upon acceptance of the Device by CWG or its assent following the testing described in Paragraph 9.

9. ACCEPTANCE TESTING. If you initiate a claim for the Buy Back Amount in accordance with the terms of this Agreement, CWG, in its sole discretion, reserves the right to adjust the Buy Back Amount according to the following grading system as part of its inspection of the Device ("Acceptance Testing"). PLEASE NOTE that CWG will not make a claim on any manufacturer warranty or service plan on your behalf at any point in time. You must make any manufacturer warranty or service plan claim prior to initiating a claim for the Buy Back Amount. The three condition grades used in the Acceptance Testing are as follows:

SCHEDULE OF BUY BACK AMOUNT AS ADJUSTED TO ACCOUNT FOR ACCEPTANCE TESTING*

TVs, Laptops, Desktops, All-in-One Computers, Tablets, Mobile Phones, Pre-Paid Mobile Phones, Computer Monitors, Blu-ray & DVDplayers, Gaming Consoles, Portable Gaming Devices, eReaders, Camcorders, Digital Cameras, DSLRs, SoundBars, GPSs & ipods/mp3 players

TVs Only

Acceptance Testing Condition Grade

6 Months from Effective Date

After 6 Months to 12 Months from Effective Date

After 12 Months to 18 Months from Effective Date

After 18 Months to 24 Months from Effective Date

After 24 Months to 48 Months from Effective Date

Good or Fair

Up to 50%

Up to 40%

Up to 30%

Up to 20%

Up to 20%

Poor

Up to 25%

Up to 20%

Up to 15%

Up to 10%

Up to 10%

Substantially Impaired

0

0

0

0

0

* The Buy Back Amount is expressed as a percentage of the Original Purchase Price of the Device. The Buy Back Amount may be reduced from that listed in the schedule due to missing or inoperable accessories or included items, as provided for in the paragraph below.

Accessories and Included Items. The Device is expected to be returned with all original Accessories. These include, but are not limited to, original software, power adapters, cables, pedestals (TV), remotes and batteries. Each Accessory is expected to be in good condition and in working order. Buy Back Amounts will be further reduced at the sole discretion of CWG by the replacement value of each such Accessory that is either not included with your Device or is not in good condition or in working order regardless of the Acceptance Testing Condition Grade that is ultimately assigned to your Device. As a result, even if your Device is assigned an Acceptance Testing Condition Grade of Good or Fair, your Buy Back Amount will be reduced by the replacement value of each such Accessory that is either not included with your Device or is not in good condition or in working order.

10. CANCELLATION. There are no fees to cancel the Plan. This Plan will be cancelled by us for fraud or material misrepresentation, as determined by us. In the event of cancellation by us, written notice of cancellation will be mailed to you not less than sixty (60) days before the cancellation is effective. If we cancel the Plan, you will receive a pro-rata refund of the Plan Fee based on the percentage of the Plan's unexpired Plan Period. If you cancel within thirty (30) days of your Plan's Purchase Date, you will receive a full refund of the Plan Fee. If you cancel more than thirty (30) days after the Purchase Date, you will receive a pro rata refund of the Plan Fee based on the percentage of the Plan's unexpired Plan Period.

With respect to a Device that is a mobile phone under a mobile phone carrier contract, if you have cancelled your contract with the mobile phone carrier, during the mobile phone carrier's product return or exchange period, then you are not eligible to receive a Buy Back Amount but, instead, may cancel the Plan and receive a pro-rata refund of the Plan according to this Paragraph of the Agreement. You are solely responsible for any and all penalty fees, activation charges, early termination and similar such charges imposed by your wireless carrier because of the cancellation of your contract with your mobile phone carrier. All cancellations will need to be done at Best Buy store location and with all original receipts.

11. REJECTED DEVICE. If the Device is considered to be a Rejected Device you will be given your Rejected Device back for you to do with it as you choose. The Rejected Device may be eligible for Best Buy's Electronics Recycling Program. You are responsible for additional charges that apply should you elect to participate in the Best Buy Electronics Recycling Program.

12. OTHER TERMS AND CONDITIONS.

13. LIMITATION OF LIABILITY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CWG'S AND BEST BUY'S TOTAL LIABILITY (WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE, PRODUCT LIABILITY OR STRICT LIABILITY), OR OTHERWISE), ARISING OUT OF OR RELATING TO THIS AGREEMENT AND THE PLAN SHALL NOT EXCEED THE BUY BACK AMOUNT OR THE TRADE IN VALUE AND TRADE IN BONUS AMOUNT PAYABLE TO YOU FOR THE DEVICE GIVING RISE TO THE CLAIM. Some states do not allow the limitation of liability, so the foregoing may not apply to you.