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TERMS AND CONDITIONS <br />c) You substantially breach Your duties under this Agreement regarding the <br />Vehicle or its use. If We cancel this Agreement, We will refund the purchase <br />price on a Pro Rata basis. If We provided this Agreement at no cost, You are <br />not entitled to a refund. <br />13. DISPUTE RESOLUTION & ARBITRATION: You or We must mutually <br />agree to have any dispute related to this Agreement or the Application decided <br />by nonbinding arbitration administered by the Better Business Bureau (BBB). <br />To learn about or begin arbitration, or get a copy of the Arbitration Rules, You <br />may contact BBB at 800-955-5100 or www .auto.bbb.org/extendedserviceplan. <br />If there is a conflict between the Rules and this Agreement, this Agreement <br />shall govern. <br />If You initiate the arbitration process, BBB will charge You an arbitration <br />filing fee of $50. You may employ an attorney to represent You in the <br />arbitration, but an attorney is not required. We will not pay Your attorney <br />fees if You use an attorney. This Agreement is subject to the Federal <br />Arbitration Act, 9 U.S.C. §§1 et seq. The arbitration decision shall be in <br />writing with a supporting opinion. <br />FPLP 8240-Nat App/Provs W/Key(July 17) (Previous Editions May Not be Used) Page 12 of 12