POLICY NO.: 7581895

Page 1 of 3

POLICY NO.: 7581895

120 Bremner Boulevard

Suite 2200

Toronto, ON M5J OA8

416-596-3000 800-387-4481

www.aig.com

AIG INSURANCE COMPANY OF CANADA

(Herein called the Company)

PRODUCER: Partners Indemnity Insurance Brokers Ltd., Burlington, Ontario

REPLACING POLICY NO: New

EXPIRED/CANCELLED

REPLACING

INTERIM RECEIPT NO.

SUM INSURED

As stated in the Policy

Certificate Declarations

RATE

Vrs.

PREMIUM

As per Monthly

Bordereau

TERM

1 Year

FROM: 12:01 A.M.

(STANDARD TIME)

May 5, 2021

TO: 12:01 A.M.

(STANDARD TIME)

May 5, 2022

NAME OF INSURED: Rogers Communications Canada Inc. (ACS)

ADDRESS OF INSURED: 333 Bloor Street East

Toronto, Ontario

M4W 1G9, Canada

LOSS PAYABLE TO: Insured, or Order

SUBJECT TO FORM NO (S): As per attached

THIS POLICY CONTAINS A CLAUSE(S) THAT MAY LIMIT THE AMOUNT PAYABLE

This Policy is subject to the terms and conditions set forth herein together with such other terms and conditions as may be endorsed

hereon or added hereto. No term or condition of this policy shall be deemed to be waived in whole or in part by the Insurer unless

the waiver is clearly expressed in writing signed by a person authorized for that purpose by the Insurer.

By signing below, the President, and the Canadian Chief Agent of the Insurer agree on behalf of the Insurer to all the terms of this

Policy.

President and Chief Executive Officer

AIG Insurance Company of Canada

This Policy shall not be valid unless signed at the time of issuance by an authorized representative of the Insurer, either below or on

the Declarations Page of the policy.

COUNTERSIGNED BY ____________________________________ DATED:

Authorized Representative

April 29,2021

AIG INSURANCE COMPANY OF CANADA

Administrative Offices:

120 Bremner Boulevard Suite 2200

Toronto, Ontario M5J 0A8

(416)-596-3000

CERTIFICATE DECLARATIONS

This Certificate is attached to and made part of the Policy # 7581895. The Named Insured shown below has

coverage under this Policy.

Item 1. NAMED INSURED:

Subscribers on file with the Communications Equipment Provider show in Item 4.

Item 2. When Coverage under this Certificate is Effective

Coverage under this Certificate is effective as of 12:01 Standard Time on May 5, 2021.

Item 3. Premium for Coverage provided under this Certificate:

Tier

MSRP at the time of Enrollment

Monthly Premium

$0 - $599.99

$6.99

$600 - $799.99

$8.99

$800 - $1,499.99

$15.99

$1,500 - $3,000

$18.99

Item 4. Communications Equipment Provider

Name:

Rogers Communications Canada Inc.

Address:

333 Bloor Street East

Toronto, ON M4W 1G9, Canada

Item 5. Authorized Representative:

Program Administrator: Producer:

Name:

Brightstar Device Protection Canada, Ltd.

Partners Indemnity Insurance Brokers Ltd.

Address:

40 King Street West, Suite 2100

3385 Harvestar Road, Suite 210

Toronto, ON M5H 3C2, Canada

Burlington, Ontario, Canada L7N 3N2

Phone:

+1 844-225-6333

Item 6. Limits of Insurance

Occurrence Limit of Insurance $3,000.00 per Occurrence for each Named Insured

Aggregate Limit of Insurance $9,000.00 per Named Insured, or three (3) occurrences within

any twelve (12) month period of time, whichever occurs first, two of

which may be for damage and one of which may be for direct

physical loss.

Item 7. Processing Fee/ Deductible

The processing fee (also known as the deductible) will be the amount corresponding to the retail value of the

Named Insured’s wireless device

when initially purchased. The MSRP is the non-subsidized, non-

discounted retail price of the wireless

device.

Deductibles - Apple iPhones and iPads

Tier

MSRP at the time of

Enrollment

Repair Processing

Fee – Screen Break

Only*

(iPhone)

Repair Processing

Fee – All Other

Damage

(iPhone)

Repair Processing

Fee – Damage

(iPad)

Lost/Theft

Replacement

Processing Fee

$0 - $599.99

$39.00

$129.00

$49.00

$150.00

$600 - $799.99

$39.00

$129.00

$49.00

$200.00

$800 - $1,499.99

$39.00

$129.00

$49.00

$300.00

$1,500 - $3,000

$39.00

$129.00

$49.00

$400.00

*You may receive up to one Claim for repair of glass breakage only (with no other defects or evidence of

loss or failure present) (excluding iPad) for Your Covered Equipment and You will not be required to pay a

Repair Processing Fee.

Item 8. Accessories

Accessories included: Battery and Standard Wall Charger

Maximum retail value of Accessories: $500.00

Item 9. Replacement Device.

Maximum full retail value of replacement to be charged: $3,000.00

Item 10. This Certificate consists of the following forms:

Certificate Declarations

Communications Equipment Coverage Form

Certificate Conditions

Statutory Conditions

This coverage is provided by AIG Insurance Company of Canada

_______________________________

AUTHORIZED REPRESENTATIVE

AIG INSURANCE COMPANY OF CANADA

Administrative Offices:

120 Bremner Boulevard Suite 2200

Toronto, Ontario M5J 0A8

(416)-596-3000

COMMUNICATIONS EQUIPMENT COVERAGE FORM

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

and what is and is not covered.

Throughout the policy, the words "you" and "your" refer to the Named Insured shown in the Declarations. The

words "we", "us" and “our" refer to the company providing this insurance.

Other words and phrases that appear in quotations have special meaning. Refer to Section E. DEFINITIONS.

Coverage

We will cover direct physical loss or damage to Covered Property from any of the Covered Causes of Loss.

Covered Property, as used in this Coverage Form, means the Named Insured’s wireless device on record

with us, and any Accessories shown in the Declarations, but only if such Accessories are lost or damaged

with such wireless device.

Property Not Covered

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

Any antenna or wiring that is attached to, or protrudes from, or is on the exterior of any vehicle or

watercraft.

Property in transit to you from a manufacturer or seller that is not the "Authorized Service Facility".

Color face plates, personalized data, or customized software, such as personal information managers

(PIM's), ring tones, games, or screen savers.

Covered Causes of Loss

Covered Causes of Loss means direct physical loss or damage to Covered Property except physical loss

or damage recoverable under the manufacturer’s warranty and those causes of loss listed in the

Exclusions.

Exclusions

We will not cover loss or damage caused directly or indirectly by any of the following. Such loss is

excluded regardless of any other cause or event that contributes concurrently or in any sequence to the

loss.

Governmental Action,

Seizure or destruction of property by order of governmental authority.

But we will pay for loss or damage caused by or resulting from acts of destruction ordered by

governmental authority and taken at the time of a fire to prevent its spread if the fire would be covered

under this Coverage Form.

Nuclear Hazard

(1)

Any weapon employing atomic fission or fusion; or

(2)

Nuclear reaction or radiation, or radioactive contamination from any other cause. But if nuclear

reaction or radiation, or radioactive contamination results in fire, we will pay for the direct loss or

damage caused by that fire if the fire would be covered under this Coverage Form.

War And Military Action

(1)

War, including undeclared or civil war;

(2)

Warlike action by a military force, including action in hindering or defending against an actual or

expected attack, by any government, sovereign or other authority using military personnel or

other agents; or

(3)

Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in

hindering or defending against any of these.

Exclusions B.1.a. through B.1.c. apply whether or not the loss event results in widespread damage or

affects a substantial area.

We will not cover loss or damage caused by or resulting from any of the following:

Delay, loss of use, loss of market or any other consequential loss, interruption of business or

inconvenience; an increase of loss or damage caused by or resulting from the delay in replacing

Covered Property due to interference at the location of replacement by strikers, other persons or any

other Cause of Loss.

Rodents, insects, vermin, or other wild animals.

“Intentional parting” with any property by you or anyone entrusted with the property whether or not

induced to do so by any fraudulent scheme, trick, device or false pretense.

Obsolescence, including technological obsolescence of the Covered Property.

Dishonest or criminal act committed by:

(1)

You, or any of your authorized representatives;

(2)

Anyone else with an interest in the property or their authorized representatives; or

(3)

Anyone else to whom the property is entrusted for any purpose.

This exclusion applies whether or not such persons are acting alone or in collusion with other

persons.

Change or enhancement in color, texture, finish, expansion, contraction, or any cosmetic damage of

Covered Property however caused, including, but not limited to, scratches, marring, and cracked

displays that occur to Covered Property that does not affect the mechanical or electrical function of

the Covered Property.

Faulty repair, adjusting, installation, servicing, or maintenance unless fire or explosion ensues and

then only for loss or damage by ensuing fire or explosion.

The presence, discharge, dispersal, seepage, migration, release or escape of "Pollutants."

Unauthorized repair or replacement.

Preventative maintenance or preferential adjustments.

Use of the Covered Property in a manner for which it was not designed or intended by the

manufacturer, or failure to follow the manufacturer's installation, operation or maintenance

instructions. Any damage that is the result of abuse or of any intentional act.

Error or omission in design, programming, system configuration, faulty construction, or any original

defect in any Covered Property or recall by the manufacturer.

Loss or damage to batteries (unless batteries are listed as an Accessory on the Declarations page),

personalized data, or customized software, such as personal information managers (PIM's), ring

tones, games, or screen savers; or loss or damage to antennas, external housings or casings that

does not affect the mechanical or electrical function of the Covered Property.

Normal wear and tear, gradual deterioration, inherent vice or latent defect.

Malfunction including “Mechanical and/or Electrical Failure” occurring during the term of the

manufacturers warranty.

"Computer Virus," whether intentional or unintentional, and whether such loss be direct or indirect,

proximate or remote or be in whole or in part caused by, contributed to or aggravated by the Covered

Causes of Loss insured against under this Coverage Form.

Limits of Insurance

The Aggregate Limit of Insurance is the most we will pay for all loss or damage under this policy or the

maximum number of occurrences for a designated period of time, shown in the Declarations. Subject to the

Aggregate Limit of Insurance, the most we will pay for loss or damage in any one occurrence to each Named

Insured is the applicable Occurrence Limit of Insurance shown in the Declarations.

Deductible

Each occurrence is subject to a nonrefundable deductible. Such deductible must be paid prior to repair or

replacement of any Covered Property.

Definitions

“Authorized Representative” means our authorized representative identified in the Declarations.

"Authorized Service Facility" means the location or locations that serve as a replacement facility for the

program and supply replacements for Covered Property. Selection of the "Authorized Service Facility"

will be at the sole discretion of us or our authorized representative.

"Computer Virus" means any unauthorized intrusive code or programming that is entered by any means

into covered data processing equipment, media, software, programs, systems or records and interrupts

the operations of Covered Property.

“Intentional Parting” means any act done purposely that contributes to the loss or theft of the Covered

Property. Such acts include but are not limited to voluntary parting with the Covered Property in a

community shared or public space by you or anyone entrusted with the Covered Property, surrendering

the Covered Property to any non-governmental authority regardless of inducement to do so and

entrusting or issuing the Covered Property to any of your authorized representatives.

"Mechanical or Electrical Failure" means failure of Covered Property to operate due to a faulty part or

workmanship when operated according to the manufacturer's instructions.

"Pollutants" means any solid, liquid, gaseous, or thermal irritant or contaminant including but not limite d

to bodily fluids, condensation, 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 waste. Waste includes materials to be recycled,

reconditioned or reclaimed.

This Policy shall not be valid unless signed at the time of issuance by our authorized representative, either below

or on t

he Certificate Declarations page of the policy.

AIG IINSURANCE COMPANY OF CANADA

_________________________________________

AUTHORIZED REPRESENTATIVE

COMMUNICATIONS EQUIPMENT CERTIFICATE CONDITIONS

The Coverage Part under which Coverage is provided to you as noted in the Certificate Declarations is subject to

the following conditions:

CANCELLATION AND MATERIAL CHANGES

You may cancel your coverage under this Coverage Part by (i) mailing or delivering to us advance written notice

or (ii) by calling Rogers at 1-888-ROGERS1, or 1-855-877-3887 stating when such cancellation is effective.

You may send your written notice through the Authorized Representative shown in the Declarations (hereinafter

the “Authorized Representative”).

We may cancel your coverage under this Coverage Part by mailing or delivering to you written notice of

cancellation, and by delivering notice electronically to you at least:

Ten (10) days before the effective date of cancellation if we cancel for nonpayment of premium; or

Sixty (60) days before the effective date of cancellation if we cancel for any other reason;

Our notice will be mailed or delivered to you at the last mailing address known to us or delivered electronically

to you.

Notice of cancellation or non-renewal will state the effective date of cancellation and all insurance for you under

this Coverage Part will end on that date.

If this Coverage Part is cancelled, you will be refunded any unearned premium due in accordance with

applicable law.

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

The insurance provided you under this Coverage Part is provided on a month to month term basis unless you

cease to be a valid, active and current subscriber of your Communications Equipment Service Provider.

In the event of any material change in the coverage terms, monthly premium or the deductible, you will be

provided thirty (30) days advance written notice, electronically or otherwise, of such changes. You may cancel

coverage at any time without penalty, but if you continue to pay monthly premiums after a change in monthly

premiums, coverage terms or the deductible, you will be bound by those changes.

DUTIES IN THE EVENT OF LOSS

You must see that the following are done in the event of loss or damage to Covered Property:

If a claim involves a violation of law or any loss of possession, promptly notify the law enforcement agency

with jurisdiction and obtain confirmation of this notification.

Report the loss or damage promptly to us not later than sixty (60) days from the date of loss or damage. If

the loss or damage is not reported within sixty (60) days, your claim will be forfeited. All claims must be

submitted through our Authorized Representative shown in the Declarations (hereinafter our “Authorized

Representative”) for our approval prior to the delivery of replacement equipment. Any claims that are not

submitted through our Authorized Representative for our approval will not be honored and fulfilled. For

claims relating to damage of the Covered Property, you may also report your claim to our Authorized

Representative by contacting getsupport.apple.com or call 1-800-APL-CARE.

Take all reasonable steps to protect the Covered Property from further damage. Also, if feasible, set the

damaged property aside and in the best possible order for examination.

Provide us with a detailed proof of loss statement, a police report case number, and/or a copy of the police

report filed for theft, attempted theft, vandalism or lost equipment within sixty (60) days of the date the loss

or damage is reported prior to receiving replacement equipment.

Proof of loss requirements are satisfied once all requested information has been received as outlined in

these Conditions. All Covered Property that has been replaced is considered the property of the Authorized

Representative.

If the Covered Property is damaged, the Covered Property must be retained by you until your claim is

completed, and you may be required to return the Covered Property to us at our expense. If lost or stolen

Covered Property is recovered, it must be returned to the “Authorized Service Facility” at our expense. The

Covered Property should not remain activated nor be reactivated except with prior consent from us. If

Covered Property is not returned to us within thirty (30) days of receipt of the replacement equipment, a

salvage non-return fee may be billed to you up to $800.00. The salvage non-return fee will not exceed the

value of the Covered Property that was not returned. You must return your Covered Property to us

unlocked. If you fail to return your Covered Property to us unlocked, a locked device fee may be billed to

you up to $800.00.

As often as may be reasonably required, permit us to inspect the property proving the loss or damage and

examine your books and records.

Cooperate with us in the investigation or settlement of the claim.

Provide a copy of the original bill of sale.

10.

We may examine you under oath, at such times as may be reasonably required, about any matter relating

to this insurance or the claim, including your books and records. In the event of an examination, your

answers must be signed.

11.

Provide us with all of the necessary information required to approve replacement of the Covered Property

within sixty (60) days of the date that you report the loss or damage to us. Failure on your part to take

delivery of replacement equipment within sixty (60) days of claim approval by us will result in forfeiture of

your claim.

LOSS SETTLEMENT

In the event of loss or damage to Covered Property, we will arrange for the repair or replacement of the lost,

stolen or damaged Covered Property through the “Authorized Service Facility”. In the event a Service Request

for Screen Break Only is determined to require an All Other Damage repair, you will be required to pay a

Service Request Conversion Fee. The Service Request Conversion Fee is the difference between the

applicable Repair Processing Fee for Screen Break Only that You paid and the applicable Repair Processing

Fee for All Other Damage. If You elect not to pay the Service Request Conversion Fee, the Protected Device

will not be repaired and will be returned to You by mail if You originally mailed in Your Protected Device, or will

be made available to You for collection at the location You originally dropped it off at, and the Processing Fee

You paid will be refunded to You.

You will not be entitled to receive cash in lieu of actual replacement equipment. In no event will you be

reimbursed for any out-of-pocket expenses.

Replacement equipment may be refurbished equipment or equipment of like kind and quality subject to the

following:

If your original make and model of equipment is no longer carried by your Communications Equipment

Service Provider and is not available from its approved inventory in the "Authorized Service Facility" at the

time of approval of your replacement request, you will receive comparable equipment.

Equipment failure evaluations performed by the Communications Equipment Service Provider and/or our

Authorized Representative and/or the manufacturer may be required prior to approval of your request for

replacement of the Covered Property.

All claims for covered loss or damage under this Coverage Part will be made good within thirty (30) days after

presentation and acceptance of satisfactory proof of interest and loss or damage to our Authorized

Representative and satisfaction by you of your Duties in the Event of a Loss. No claim shall be honored or

made good if you have collected for the direct physical loss or damage from others. We will ship approved

replacement equipment directly to you within Canada or you may be required to pick up your replacement at

an "Authorized Service Facility".

Any recovery or salvage on a loss will accrue, entirely to our benefit, until the cost of the claim incurred by us

has been made up. You must return to us any damaged and malfunctioning equipment as well as any

recovered lost or stolen equipment.

If any Accessories are shown on the Declarations page, we will cover the cost associated with the repair or

replacement of such Accessories up to a maximum retail value of Accessories shown in the Declarations.

Any amount in excess of that maximum will be funded by you.

ADDITIONAL CONDITIONS

Transfer Of Rights Of Recovery Against Others to Us

If any person or organization to or for whom we honor a claim under this Coverage Part has rights to recover

damages from another, those rights are transferred to us. That person or organization must do everything

necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights

against another party in writing:

Prior to a loss to your Covered Property.

After a covered loss to your Covered Property only if, at time of loss that party is one of the following:

(1)

someone covered under this Coverage Part;

(2)

a business firm:

(a)

Owned or controlled by you;

(b)

That owns or controls you; or

(c)

Your tenant.

This will not restrict your insurance.

Concealment, Misrepresentation or Fraud

This coverage is void in any case of fraud, intentional concealment or misrepresentation of a material fact, at

any time, concerning:

This coverage;

The Covered Property;

Your interest in the Covered Property; or

A claim under this Coverage Part.

If, when inspected by the “Authorized Service Facility”, the make/model and condition of the Covered

Property does not match that as attested to in the Proof of Loss statement, or is not damaged, the

Authorized Representative reserves the right to charge you the full retail value of the replacement device

issued (up to a maximum amount shown in Item 8. of the Declarations).

Legal Action Against Us

No one may bring legal action against us under this Coverage Part unless:

There has been full compliance with all terms of this Coverage Part; and

The action is brought within two (2) years after you first have knowledge of the loss or damage.

No Benefit to Bailee

No person or organization, other than you, having custody of Covered Property, will benefit from this insurance.

Coverage Territory

The coverage territory is worldwide but the cost of replacement will be valued in Canadian currency at the time

of replacement.

Transfer of Rights and Duties Under this Policy

Your rights and duties under this policy may not be transferred without our written consent.

Applicable Law

We agree that any terms of the Coverage Part not in conformity with applicable law are conformed to comply

with such law. If any portion of the Coverage Part is deemed invalid or unenforceable, it shall not invalidate the

remaining portions of this Coverage Part.

Changes

The Coverage Part contains all the agreements between you and us concerning the insurance afforded. The

Coverage Part's terms can be amended or waived only by endorsement issued by us and made a part of the

Coverage Part.

Premiums

The Named Insured shown on the Declarations:

Is responsible for the payment of all premiums; and

Will be the payee for any return premiums we pay.

A monthly premium shown in the Declarations will be payable in advance and will be charged to the Named

Insured’s regular account with the Communications Equipment Service Provider for transmittal to us. The

Named Insured has 15 days after receiving the Certificate to determine if they want to keep the coverage

without any premium being earned.

10.

Appraisal

If we and you disagree on the value of the property or the amount of loss, either may make written

demand for

an appraisal of the loss. In this event, each party will select a competent and impartial

appraiser. The two

appraisers will select an umpire. If they cannot agree, either may request that

selection be made by a judge of

a court having jurisdiction. The appraisers will state separately the

value of the property and amount of loss. If

they fail to agree, they will submit their differences to the

umpire. A decision agreed to by any two will be binding.

Each party will:

Pay its chosen appraiser; and

Bear the other expenses of the appraisal and umpire equally.

If there is an appraisal, we will still retain our right to deny the claim.

CANADIAN STATUTORY CONDITIONS

POLICY CONDITIONS MAY BE BROADER THAN REPRESENTED BELOW

1. MISREPRESENTATION:

If a person applying for insurance falsely describes the property to the prejudice of the

Insurer, or misrepresents or fraudulently omits to communicate any circumstance that is

material to be made known to the Insurer in order to enable it to judge the risk to be

undertaken, the contract is void as to any property in relation to which the

misrepresentation or omission is material.

2. PROPERTY OF OTHERS:

Unless otherwise specifically stated in the contract, the Insurer is not liable for loss or

damage to property owned by any person other than the Insured, unless the interest of

the Insured therein is stated in the contract.

3. CHANGE OF INTEREST:

The Insurer is liable for loss or damage occurring after an authorized assignment under

the Bankruptcy Act or change of title by succession, by operation of law, or by death.

4. MATERIAL CHANGE:

Any change material to the risk and within the control and knowledge of the Insured

avoids the contract as to the part affected thereby, unless the change is promptly notified

in writing to the Insurer or its local agent, and the Insurer when so notified may return the

unearned portion, if any, of the premium paid and cancel the contract, or may notify the

Insured in writing that, if he desires the contract to continue in force, he must, within

fifteen days of the receipt of the notice, pay to the Insurer an additional premium, and in

default of such payment the contract is no longer in force and the Insurer shall return the

unearned portion, if any, of the premium paid.

5. TERMINATION:

a) This contract may be terminated,

(i) By the Insurer giving to the Insured fifteen days notice of termination by

registered mail or five days written notice of termination personally delivered;

(ii) By the Insured at any time on request.

b) Where this contract is terminated by the Insurer,

(i) The Insurer shall refund the excess of premium actually paid by the Insured

over the pro rata premium for the expired time, but, in no event, shall the pro

rata premium for the expired time be deemed to be less than any minimum

retained premium specified; and

(ii) The refund shall accompany the notice unless the premium is subject to

adjustment or determination as to amount, in which case the refund shall be

made as soon as practicable.

c) Where this contract is terminated by the Insured, the Insurer shall refund as soon as

practicable the excess of the premium actually paid by the Insured over the short

rate premium for the expired time, but in no event shall the short rate premium for

the expired time be deemed to be less than any minimum retained premium

specified.

d) The refund may be made by money, postal or express company money order or

cheque payable at par.

e) The fifteen days mentioned in Clause (i) of sub-condition (a) of this Condition

commences to run on the day following the receipt of the registered letter at the post

office to which it is addressed.

6. REQUIREMENTS AFTER LOSS:

a) Upon the occurrence of any loss of or damage to the insured property, the Insured

shall, if the loss or damage is covered by the contract, in addition to observing the

requirements of Conditions 9, 10 and 11.

(i) Forthwith give notice thereof in writing to the Insurer;

(ii) Deliver as soon as practicable to the Insurer a proof of loss verified by a

statutory declaration,

(1) Giving a complete inventory of the destroyed and damaged property and

showing in detail quantities, costs, actual cash value and particulars of

amount of loss claimed;

(2) Stating when and how the loss occurred, and if caused by fire or explosion

due to ignition, how the fire or explosion originated, so far as the Insured

knows or believes;

(3) Stating that the loss did not occur through any willful act or neglect or the

procurement, means or connivance of the Insured;

(4) Showing the amount of other insurances and the names of other Insurers;

(5) Showing the interest of the Insured and of all others in the property with

particulars of all liens, encumbrances and other charges upon the

property;

(6) Showing any changes in title, use, occupation, location, possession or

exposures of the property since the issue of the contract;

(7) Showing the place where the property insured was at the time of

loss;

(iii) If required, give a complete inventory of undamaged property and

showing in detail quantities, cost, actual cash value;

(iv) If required and if practicable, produce books of account, warehouse

receipts and stock lists, and furnish invoices and other vouchers

verified by statutory declaration, and furnish a copy of the written

portion of any other contract.

b) The evidence furnished under Clauses (iii) and (iv) of subparagraph (a) of

this Condition shall not be considered proofs of loss within the meaning of

Conditions 12 and 13.

7. FRAUD:

Any fraud or willfully false statement in a statutory declaration in relation to any

of the above particulars, vitiates the claim of the person making the declaration.

8. WHO MAY GIVE NOTICE AND PROOF:

Notice of loss may be given and proof of loss may be made by the agent of the

Insured named in the contract in case of absence or inability of the Insured to

give the notice or make the proof, and absence or inability being satisfactorily

accounted for, or in the like case, or if the Insured refuses to do so, by a person

to whom any part of the insurance money is payable.

9. SALVAGE:

a) The Insured, in the event of any loss or damage to any property insured

under the contract, shall take all reasonable steps to prevent further

damage to such property so damaged and to prevent damage to other

property insured hereunder including, if necessary, its removal to prevent

damage or further thereto.

b) The Insurer shall contribute pro rata towards any reasonable and proper

expenses in connection with steps taken by the Insured and required under

subparagraph (1) of this Condition according to the respective interests of

the parties.

10. ENTRY, CONTROL, ABANDONMENT:

After loss or damage to insured property, the Insurer has an immediate right of

access and entry by accredited agents sufficient to enable them to survey and

examine the property, and to make an estimate of the loss or damage, and,

after the Insured has secured the property, a further right of access and entry

sufficient to enable them to make appraisement or particular estimate of the

loss or damage, but the Insurer is not entitled to the control or possession of the

insured property, and without the consent of the Insurer there can be no

abandonment to it of insured property.

11. APPRAISAL:

In the event of disagreement as to the value of the property insured, the

property saved or the amount of the loss, those questions shall be determined

by appraisal as provided under the Insurance Act before there can be any

recovery under this contract whether the right to recover on the contract is

disputed or not, and independently of all other questions. There shall be no right

to an appraisal until a specific demand therefor is made in writing and until after

proof of loss has been delivered.

12. WHEN LOSS PAYABLE:

The loss is payable within sixty days after completion of the proof of loss, unless

the contract provides for a shorter period.

13. REPLACEMENT:

a) The Insurer, instead of making payment, may repair, rebuild, or replace the

property damaged or lost, giving written notice of its intention so to do

within thirty days after receipt of the proofs of loss.

b) In that event the Insurer shall commence to so repair, rebuild, or replace

the property within forty-five days after receipt of the proofs of loss, and

shall thereafter proceed with all due diligence to the completion thereof.

14. ACTION:

Every action or proceeding against the Insurer for the recovery of any claim

under or by virtue of this contract is absolutely barred unless commenced within

twelve months next after the loss or damage occurs.

15. NOTICE;

Any written notice to the Insurer may be delivered at, or sent by registered mail

to, the chief agency or head office of the Insurer in the Province. Written notice

may be given to the Insured named in the contract by letter personally delivered

to him or by registered mail addressed to him at his latest post office address as

notified to the Insurer. In this Condition, the expression "registered" means

registered in or outside Canada.

ADDITIONAL CONDITIONS

16. EXCLUSIONS

This Policy does not cover:

(a) loss or damage caused by war, invasion, act of foreign enemy,

hostilities (whether war be declared or not), civil war, rebellion,

revolution, insurrection or military power;

(b) loss or damage caused by contamination by radioactive material.

17. NOTICE TO AUTHORITIES

Where loss is claimed to be due to theft, burglary, robbery, malicious

acts or disappearance the Insured shall give immediate notice thereof to

the police or other authorities having jurisdiction.

18. SUE AND LABOUR

It is the duty of the Insured in the event that any property insured

hereunder is lost to take all reasonable steps in and about the recovery

of such property. The Insurer shall contribute pro rata towards any

reasonable and proper expenses in connection with the foregoing

according to the respective interests of the parties.

19. SUBROGATION

(a) The Insurer, upon making any payment or assuming liability therefor

under this Policy shall be subrogated to all rights of recovery of the

Insured against any person, and may bring action in the name of the

Insured to enforce such rights;

(b) Where the net amount recovered after deducting the costs of

recovery is not sufficient to provide a complete indemnity for the loss

or damage

suffered, that amount shall be divided between the Insurer and the

Insured in the proportion in which the loss or damage has been

borne by them respectively.

20. NO BENEFIT TO BAILEE

It is warranted by the Insured that this insurance shall in no wise enure

directly or indirectly to the benefit of any carrier or other bailee.

21. BASIS OF SETTLEMENT

Unless otherwise provided, the Insurer shall not be liable beyond the

actual cash value of the property at the time any loss or damage occurs

and the loss or damage shall be ascertained or estimated according to

such actual cash value with proper deduction for depreciation, however,

caused, and shall in no event exceed what it would then cost to repair or

replace the same with material of like kind and quality.

22. PAIRS, SETS, PARTS

(a) In the case of loss of or damage to any article or articles, whether

scheduled or unscheduled, which are a part of a set, the measure of

loss of or damage to such article or articles shall be a reasonable

and fair proportion of the total value of the set, but in no event shall

such loss or damage be construed to mean total loss of set;

(b) In the case of loss of or damage to any part of the insured property

whether scheduled or unscheduled, consisting when complete for

use, of several parts, the Insurer shall only be liable for the value of

the part lost or damaged, including the cost of installation.

THIS POLICY IS MADE AND ACCEPTED SUBJECT TO THE FOREGOING STIPULATIONS AND CONDITIONS WHICH ARE HEREBY

SPECIALLY REFERRED TO AND MADE A PART OF THIS POLICY, together with such other provisions, agreements, or conditions as may

be endorsed hereon or added hereto. No term or condition of this Policy shall be deemed to be waived by the Insurer in whole or in part unless

the waiver is clearly expressed in writing, signed by a person authorized for that purpose by the Insurer. Neither the Insurer nor the Insured

shall be deemed to have waived any term or condition of this Policy by any act relating to the appraisal of the amount of loss or to the delivery

and completion of proofs, or to the investigation or adjustment of any claim under the Policy.

STATUTORY CONDITIONS

(Applicable to Alberta, British Columbia,

Manitoba, and Saskatchewan only)

Misrepresentation

If a person applying for insurance falsely describes the property to the prejudice of the

insurer, or misrepresents or fraudulently omits to communicate any circumstance that is

material to be made known to the insurer in order to enable it to judge the risk to be

undertaken, the contract is void as to any property in relation to which the

misrepresentation or omission is material.

Property of others

The insurer is not liable for loss or damage to property owned by a person other than the

insured unless

(a)

otherwise specifically stated in the contract, or

(b)

the interest of the insured in that property is stated in the contract.

Change of interest

The insurer is liable for loss or damage occurring after an authorized assignment under the

Bankruptcy and Insolvency Act (Canada) or a change of title by succession, by operation

of law or by death.

Material change in risk

(1) The insured must promptly give notice in writing to the insurer or its agent of a change that

(a)

material to the risk, and

(b)

within the control and knowledge of the insured.

(2)

If an insurer or its agent is not promptly notified of a change under subparagraph (1) of

this condition, the contract is void as to the part affected by the change.

(3)

If an insurer or its agent is notified of a change under subparagraph (1) of this condition, the

insurer may

(a)

terminate the contract in accordance with Statutory Condition 5, or

(b)

notify the insured in writing that, if the insured desires the contract to

continue in force, the insured must, within 15 days after receipt of the

notice, pay to the insurer an additional premium specified in the notice.

(4)

If the insured fails to pay an additional premium when required to do so under subparagraph

(3) (b) of this condition, the contract is terminated at that time and Statutory Condition 5 (2) (a)

applies in respect of the unearned portion of the premium.

Termination of insurance

(1) The contract may be terminated

(a)

by the insurer giving to the insured 15 days' notice of termination by

registered mail or 5 days' written notice of termination personally

delivered, or

(b)

by the insured at any time on request.

(2)

If the contract is terminated by the insurer,

-1-

(a)

the insurer must refund the excess of premium actually paid by the insured

over the prorated premium for the expired time, but in no event may the

prorated premium for the expired time be less than any minimum retained

premium specified in the contract, and

(b)

the refund must accompany the notice unless the premium is subject to

adjustment or determination as to amount, in which case the refund must be

made as soon as practicable.

(3)

If the contract is terminated by the insured, the insurer must refund as soon as practicable

the excess of premium actually paid by the insured over the short rate premium for the

expired time specified in the contract, but in no event may the short rate premium for the

expired time be less than any minimum retained premium specified in the contract.

(4)

The 15 day period referred to in subparagraph (1) (a) of this condition starts to run on the day

the registered letter or notification of it is delivered to the insured's postal address.

Requirements after loss

(1) On the happening of any loss of or damage to insured property, the insured must, if the loss

or damage is covered by the contract, in addition to observing the requirements of

Statutory Condition 9,

(a)

immediately give notice in writing to the insurer,

(b)

deliver as soon as practicable to the insurer a proof of loss in respect of the

loss or damage to the insured property verified by statutory declaration,

(i) giving a complete inventory of that property and showing in detail

quantities and cost of that property and particulars of the amount of

loss claimed,

(ii) stating when and how the loss occurred, and if caused by fire or

explosion due to ignition, how the fire or explosion originated, so far

as the insured knows or believes,

(iii) stating that the loss did not occur through any wilful act or neglect or

the procurement, means or connivance of the insured,

(iv) stating the amount of other insurances and the names of other

insurers,

(v) stating the interest of the insured and of all others in that property

with particulars of all liens, encumbrances and other charges on

that property,

(vi) stating any changes in title, use, occupation, location, possession or

exposure of the property since the contract was issued, and

(vii) stating the place where the insured property was at the time of loss,

(c)

if required by the insurer, give a complete inventory of undamaged

property showing in detail quantities and cost of that property, and

(d)

if required by the insurer and if practicable,

(i) produce books of account and inventory lists,

(ii) furnish invoices and other vouchers verified by statutory

declaration, and

(iii)

furnish a copy of the written portion of any other relevant contract.

(2) The evidence given, produced or furnished under subparagraph (1) (c) and (d) of this condition

must not be considered proofs of loss within the meaning of Statutory Conditions 12 and 13.

-2-

Fraud

Any fraud or willfully false statement in a statutory declaration in relation to the particulars

required under Statutory Condition 6 invalidates the claim of the person who made the

declaration.

Who may give notice and proof

Notice of loss under Statutory Condition 6 (1) (a) may be given and the proof of loss

under Statutory Condition 6 (1) (b) may be made

(a)

by the agent of the insured, if

(i) the insured is absent or unable to give the notice or make the proof,

and

(ii) the absence of inability is satisfactorily accounted for, or

(b)

by a person to whom any part of the insurance money is payable, if the

insured refuses to do so or in the circumstances described in clause (a) of

this condition.

Salvage

(1) In the event of loss or damage to insured property, the insured must take all reasonable

steps to prevent further loss or damage to that property and to prevent loss or damage to

other property insured under the contract, including, if necessary, removing the property to

prevent loss or damage or further loss or damage to the property.

(2)

The insurer must contribute on a prorated basis towards any reasonable and proper

expenses in connection with steps taken by the insured under subparagraph (1) of this

condition.

Entry, control, abandonment

10.

After loss or damage to insured property, the insurer has

(a)

an immediate right of access and entry by accredited representatives

sufficient to enable them to survey and examine the property, and to make an

estimate of the loss or damage, and

(b)

after the insured has secured the property, a further right of access and entry

by accredited representatives sufficient to enable them to appraise or

estimate the loss or damage, but

(i) without the insured's consent, the insurer is not entitled to the

control or possession of the insured property, and

(ii) without the insurer's consent, there can be no abandonment to it of

the insured property,

In case of disagreement

11.

(1) In the event of disagreement as to the value of the insured property, the value of the

property saved, the nature and extent of the repairs or replacements required or, if made,

their adequacy, or the amount of the loss or damage, those questions must be determined

using the applicable dispute resolution process set out in the Insurance Act, whether or not

the insured's right to recover under the contract is disputed, and independently of all other

questions.

(2)

There is no right to a dispute resolution process under this condition until

(a)

a specific demand is made for it in writing, and

(b)

the proof of loss has been delivered to the insurer.

-3-

When loss payable

12.

Unless the contract provides for a shorter period, the loss is payable within 60 days after the

proof of loss is completed in accordance with Statutory Condition 6 and delivered to the

insurer.

Repair or replacement

13.

(1) Unless a dispute resolution process has been initiated, the insurer, instead of making

payment, may repair, rebuild or replace the insured property lost or damaged, on giving

written notice of its intention to do so within 30 days after receiving the proof of loss.

(2) If the insurer gives notice under subparagraph (1) of this condition, the insurer must begin to

repair, rebuild or replace the property within 45 days after receiving the proof loss, and must

proceed with all due diligence to complete the work within a reasonable time.

Notice

14.

(1) Written notice to the insurer may be delivered at, or sent by registered mail to, the chief agency or

head office of the insurer in the province.

(2) Written notice to the insured may be personally delivered at, or sent by registered mail addressed to,

the insured's last known address as provided to the insurer by the insured.

-4-

Statutory Conditions

CUSTOMER ADVISORY

REGARDING THE ENFORCEMENT OF

ECONOMIC EMBARGOES AND TRADE SANCTIONS

This Trade Sanction Advisory is part of AIG Insurance Company of Canada comprehensive compliance

program and is meant to serve as a reminder of the existing applicable legal requirements with respect to

Trade Sanctions.

Your rights as a policyholder and payments to you, any insured or claimant, for loss under this policy may be

affected by the administration and enforcement of economic embargoes and trade sanctions applicable to you,

any insured, claimant and/or to the insurer and their respective controlling entities (hereinafter “Trade

Sanctions”).

WHAT IS AN ECONOMIC EMBARGO AND/OR TRADE SANCTION

Trade Sanctions involve the imposition by a country of legal measures to restrict or prohibit trade, services or

other economic activity with a target country, entity or individual. For example, the Parliament of Canada has

enacted legislation authorizing the imposition of Trade Sanctions through the United Nations Act, the Special

Economic Measures Act and some provisions of the Export and Import Permits Act.

Depending upon the identity, domicile, place of incorporation or nationality of the policyholder, insured,

claimant, insurer, or the parent company and ultimate controlling entity of the policyholder, insured, claimant or

insurer, or the country where the claim arises, Trade Sanctions of foreign countries, including the United States

of America, may be applicable. The application of sanctions could necessitate the seizure or freezing of

property, including but not limited to the payment of a claim.

Existing Trade Sanctions can be amended, and new Trade Sanctions can be imposed, at any time.

OBLIGATIONS PLACED ON US AS A RESULT OF TRADE SANCTIONS

If we determine that you or any insured, additional insured, loss payee, or claimant are on a prohibited list or

are connected to a sanctioned country, entity or individual, or a prohibited activity, as designated by the

relevant Trade Sanction, we may be required to comply with the requirements of the applicable Trade Sanction,

which by way of example, may include blocking or “freezing” property and payment of any funds and the

reporting of such occurrences to the relevant authorities within the prescribed time periods, if any.

POTENTIAL ACTIONS BY US

Depending upon the requirements of the relevant Trade Sanction:

1. We may be required to immediately cancel your coverage effective on the day that we determine that we

have transacted business with an individual or entity associated with your policy on a prohibited list or

connected to a sanctioned country as described in the relevant Trade Sanction.

2. If we cancel your coverage, you may not receive a return premium unless permitted pursuant to the

relevant Trade Sanction. All blocked or frozen funds will be placed in an interest bearing blocked account

established on the books of a financial institution.

3. We may not pay a claim, accept premium or exchange monies or assets of any kind to or with individuals,

entities or companies (including a bank) on a prohibited list or connected to, or carrying on business in, a

sanctioned country as designated by the relevant Trade Sanction. Furthermore, we may not defend or

provide any other benefits under your policy to individuals, entities or companies on a prohibited list or

connected to, or carrying on business in, a sanctioned country as designated by the relevant Trade

Sanction.

AIG Insurance Company of Canada – Privacy Principles (September 2018)

AIG INSURANCE COMPANY OF CANADA

PRIVACY PRINCIPLES

AIG and Individual Privacy

We at AIG Insurance Company of Canada (referred to as “AIG”, “we”, “our”, or “us”) abide by these

Privacy Principles and want you, our applicants, policyholders, insureds, claimants, and any other

individuals who provide us with personal information (referred to as “Customers” or “you”), to be aware of

how and why we handle personal information. We work hard to respect and maintain your privacy.

However, the very nature of our business is such that the collection, use and disclosure of personal

information are fundamental to the products and services we provide.

As a worldwide leader in the delivery of insurance products and other services, the member companies of

American International Group, Inc. (“AIG Companies”) offer numerous products and services to many

types of consumers and clients in many different countries around the world. Therefore, differing AIG

Companies may adopt differing privacy practices to fit their own jurisdiction and business requirements.

The AIG Companies Privacy Policy, located at www.aig.com, may also be applicable to our Customers as

we conduct our business.

For the purposes of these Privacy Principles personal information means information about an identifiable

individual. For example: an individual’s name, birth date, address, age, health and financial information is

personal information which AIG may collect, use and in certain circumstances, where necessary, disclose,

in the course of providing insurance services and carrying on business.

1. Consent and Personal Information

AIG obtains consent for the collection, use, and disclosure of personal information, except where consent is

not required by law. AIG does not obtain your consent for the collection, use and disclosure of business

contact information. By applying for or purchasing AIG’s products and services, you are providing your

consent to our collection, use, and disclosure of your personal information as set out in these Privacy

Principles. AIG relies on the broker’s advice where the insurance broker tells AIG that we have a

Customer’s consent to collect information.

Consent may be obtained by AIG and its affiliated companies directly or through a broker or agent, an

insurance adjuster, claims administrator, investigator, or lawyer when personal information is collected for

claims purposes.

An individual may decline to consent, or revoke consent, to the collection and use of personal information

for insurance purposes but in that case, insurance products and related services and the assessment of

applications, claims or complaints may be limited or terminated.

2. Collecting Personal Information

We may collect information directly from the individual concerned on applications for insurance and

through direct interactions with us, including via AIG websites, software applications made available by us

for use on or through computers and mobile devices (the “Apps”), our social media pages set forth in the

links in the footer on AIG.com and other means (for example, from your application and claim forms,

telephone calls, e-mails and other communications with us, as well as from claim investigators, medical

professionals, witnesses or other third parties involved in our business dealings with you). We also collect

AIG Insurance Company of Canada – Privacy Principles (September 2018)

information from various third party sources such as: insurance brokers, adjusters, other insurance

intermediaries, third party administrators, government, industry associations, and other entities that have

information about you. For instance, we may obtain your driving record, claims history and/or credit

history, where permitted by law, to assist us in underwriting your application for insurance. We and our

service providers may supplement the personal information we collect with information from other sources,

such as publicly available information from social media services, commercially available sources and

information from our affiliates or business partners. This information from third parties is subject to the

privacy policies under which the information was collected.

3. Using Personal Information

Personal information is typically collected and used by us for insurance purposes such as: assessing risk,

processing applications for insurance coverage, establishing rates, administering insurance products,

developing and improving insurance products and services and other services, including actuarial and

pricing tools and risk engineering, risk management and loss prevention programs for our insurance clients,

claim assessment, processing and settlement, and, where applicable, managing claim disputes. AIG also

uses personal information to detect and prevent fraud, compile statistics, verify and provide information to

insurance industry associations, report to regulatory or industry entities in accordance with laws and

prudent insurance industry practices, and conduct market research. This may also include collecting and

disclosing personal information about third parties with respect to claims made against AIG Customers.

4. Use of Personal information for Marketing Purposes

AIG may collect and use personal information for marketing purposes, such as identifying and

communicating with individuals who are most likely to find AIG products and services of interest. AIG

may also disclose personal information to our affiliates to use for marketing purposes to offer you their

products and services, which may be of interest to you. You may opt not to have us, or alternatively not to

have our affiliates, collect, use or disclose personal information for marketing purposes in which case we

and our affiliates will not use or disclose personal information for marketing purposes. Offers of upgraded

or additional coverage, special offers and promotional mailings, and offers of additional products and

services from our affiliates will not be sent by us or our affiliates. As an AIG customer, if you have not

opted out of receiving marketing communications, you may receive marketing emails regarding AIG

products and services. Each marketing email will include an unsubscribe mechanism, available for you at

any time to remove your consent.

5. Accuracy of Your Personal Information

AIG maintains procedures to ensure that the information we collect and use is accurate, up-to-date, and as

complete as possible. However, we rely on individuals to disclose all material information to us and to

inform us of any changes required. With proof of your identity, a request to access or correct your personal

information in our possession may be made by contacting the Privacy Officer at the address set out below

in the section called “Contacting the Privacy Officer”.

6. Safeguarding Your Information

We apply appropriate safeguards to our computer networks and physical files and we restrict access to

personal information to those AIG employees, authorized administrators, reinsurers, consultants or

insurance representatives who need to know that information in order to underwrite, adjudicate or

administer insurance products and services.

7. Disclosure of Personal Information

Personal information is sought and exchanged with both affiliated and unaffiliated insurance companies,

reinsurers, insurance and reinsurance brokers and other intermediaries and agents, appointed

AIG Insurance Company of Canada – Privacy Principles (September 2018)

representatives, distributors, financial institutions and insurance industry organizations at the time of

assessing an application for insurance and any renewal, extension, variation or cancellation of any issued

policy, as well as in the event of any claim, to the extent necessary for statistical purposes or to assess and

rate a specific risk, determine the status of coverage, and investigate, administer and provide updates

regarding claims. We also share information to combat fraud; where permitted or required by law; or, at the

request of government institutions in accordance with applicable law.

AIG sometimes retains an affiliated company or an independent third party, reinsurer or a technology

service provider (“Authorized Administrator”) to perform on our behalf, certain functions in support of the

products and services we provide. Such functions could include the underwriting, offering or administering

of AIG insurance products and services or any related claims. Accordingly, in certain instances these

affiliates or third parties require your personal information to the extent that it is necessary in the

performance of those specific reinsurance, underwriting, marketing, consulting, administrative, analytical,

rehabilitative, claims, investigation, reporting or related services. AIG obligates these affiliates and third

parties to use and take steps to protect personal information in accordance with the requirements of these

Privacy Principles.

Some Authorized Administrators may be located outside of Canada, in the United States of America or

another foreign jurisdiction outside of Canada. When this occurs, the collection, use and disclosure of

personal information will be subject to the laws of the jurisdiction in which it is situate. By communicating

personal information to us, applying for and/or acquiring the products and services of AIG, you hereby

consent to the authorized administrators located outside of Canada accessing, processing or storing your

personal information (as the case may be) and disclosing such personal information as required by the

governing laws of that jurisdiction. If you would like to obtain more information about our use of

Authorized Administrators or any other service providers located outside of Canada, please contact the

Privacy Officer at the address set out below in the section called “Contacting the Privacy Officer”.

AIG may transfer your personal information as an asset in connection with any contemplated or actual sale,

merger or other disposal of all or part of our business or assets, or as part of a corporate reorganization or

other change in corporate control, including for the purposes of determining whether to proceed with such

transaction or fulfilling any records or other reporting requirements to such parties. In such circumstances,

we will ensure that any transfer of personal information is subject to applicable law and reasonable data

protection security, confidentiality and usage protocols and restrictions.

8. Retention and Access to Your Personal Information

We retain personal information for the purposes described in these Privacy Principles but only for so long

as is necessary. Personal information is stored at one of our offices in Canada or at a location of one of our

affiliates in the United States or another foreign country, as required and defined under “Disclosure of

Personal Information” above. Access to your personal information is limited to our employees, agents,

insurance intermediaries, Authorized Administrators and service providers who need access in order to

perform their job or provide services. Given the nature of insurance and our on-going exposure to potential

claims, where necessary, and when legally required, some of the information we collect for insurance

purposes is kept indefinitely.

With proof of your identity, a request to access information in our possession may be made by contacting

the Privacy Officer at the address set out below in the section called “Contacting the Privacy Officer”. The

right to access information is not absolute. Therefore AIG may decline access to information that we have

under our control, subject to any legal restrictions or rights of refusal by AIG. Such instances may be as

follows:

 the information is subject to solicitor/client privilege;

 the information would reveal personal information about a third party;

AIG Insurance Company of Canada – Privacy Principles (September 2018)

 the information could compromise the investigation of a claim; or

 the information is confidential commercial information.

We may charge a reasonable fee in advance for copying and sending information you have requested and to

which you have a right of access.

9. Contacting the Privacy Officer

Request for further information, personal information access or any concerns about how we handle your

information with AIG should be referred to our Privacy Officer, as follows:

Privacy Officer

AIG Insurance Company of Canada

120 Bremner Blvd.

Suite 2200

Toronto, ON

Canada M5J 0A8

Or at the following e-mail address: AIGCanadaOmbudsm[email protected]

Or you may call us toll free: 1-800-387-4481

10. Internet Privacy Practices

We may collect your information through AIG websites or mobile applications. All personal

information collected through our websites and mobile applications are subject to these Privacy

Principles.

We may collect other information (“Other Information”) through our websites or mobile

applications that does not reveal your specific identity. Other Information includes but is not

limited to:

 browser information;

 information collected through cookies, pixel tags, and other technologies;

 demographic information and other similar information provided by you

 information about your physical location; and

 aggregated information.

We and our third party service providers may collect Other Information in a variety of ways,

including the following:

 Through your internet browser: Certain information is collected by most websites, such

as your IP address (that is, your computer’s address on the internet), screen resolution,

operating system type (Windows or Mac) and version, internet browser type and version,

time of the visit and the page or pages visited. We use this information for purposes such

as calculating our website usage levels, helping diagnose server problems, and

administering our website.

 Using cookies: Cookies are pieces of information stored directly on the computer you are

using. Cookies allow us to recognize your computer and to collect information such as

internet browser type, time spent on our website, pages visited, and language preferences.

We may use the information for security purposes, to facilitate navigation, to display

information more effectively, to personalize your experience while visiting our website, or

to gather statistical information about the usage of our website. Cookies further allow us to

AIG Insurance Company of Canada – Privacy Principles (September 2018)

present to you the advertisements or offers that are most likely to appeal to you. We may

also use cookies to track your responses to our advertisements and we may use cookies or

other files to track your use of other websites.

One of the advertisement companies that we use is Google, Inc., trading as DoubleClick.

To opt out of the DoubleClick advertisement cookie please visit:

http://www.google.com/intl/en/policies/privacy/#infochoices. You can refuse to accept

other cookies we use by adjusting your browser settings. However, if you do not accept

these cookies, you may experience some inconvenience in your use of our website and

some online products.

 Using pixel tags, web beacons, clear GIFs or other similar technologies: These may be

used in connection with some of our website pages and HTML-formatted e-mail messages

to, among other things, track the actions of our website users and e-mail recipients,

measure the success of our marketing campaigns, and compile statistics about our website

usage and response rates.

We use Adobe’s Omniture analytics service, which uses cookies and web beacons, to help

us understand more about how our website is used by consumers so we can continue to

improve it. Adobe does not have the right to use the information we provide to it beyond

what is necessary to assist us. For more information on Adobe’s Omniture service,

including how to opt-out of it, please visit:

http://www.adobe.com/privacy/policy.html#info-manage.

 From you: Some information (for example, your location or preferred means of

communication) is collected when you voluntarily provide it. Unless combined with

personal information, this information does not identify you personally.

 Using your physical location: We may collect the physical location of your device by, for

example, using satellite, cell phone tower or WiFi signals. We may use your device’s

physical location to provide you with personalized location-based services and content, for

example, to provide location based reminders or offers when using Apps. We may also

share your device’s physical location, combined with information about what

advertisements you viewed and other information we collect, with our marketing partners

to enable them to provide you with more personalized content and to study the

effectiveness of advertising campaigns. In some instances, you may be permitted to allow

or deny such uses and/or sharing of your device’s location, but if you choose to deny such

uses and/or sharing, we and/or our marketing partners may not be able to provide you with

the applicable personalized services and content. In addition, we may obtain the precise

geolocation of your device when you use our mobile applications for purposes of providing

travel or other assistance services to our clients who are enrolled in such services. In

connection with providing travel or other assistance services, we may share your device’s

precise geolocation information with our clients and other entities with whom we work.

You may opt-out of our collection and sharing of precise geolocation information by

deleting the mobile application from your device, by disallowing the mobile application to

access location services through the permission system used by your device’s operating

system, or by following any additional opt-out instructions provided in the privacy notice

available within the mobile application.

AIG Insurance Company of Canada – Privacy Principles (September 2018)

 By aggregating information: We may share non-personally identifiable information

collected from you and from through the use of our Apps with our third party service

providers in an anonymous and aggregate form for data analytics use and to ensure you

receive a better consumer experience, in order to improve and modify our products and

services.

Please note that we may use and disclose Other Information for any purpose, except where we are

required to do otherwise under applicable law. If we are required to treat Other Information as

personal information under applicable law, then, in addition to the uses listed in this “Website

Privacy Practices” section, we may use and disclose Other Information for all the purposes for

which we use and disclose personal information.

11. Third Party Websites

These Privacy Principles do not address, and we are not responsible for, the privacy, information

or other practices of any third parties, including any third party operating any website to which our

website contains a link. The inclusion of a link on our website does not imply endorsement of the

linked site by us or by our group companies.

12. Use of Site by Minors

Our website is not directed to individuals under the age of 18, and we request that these

individuals do not provide Personal Information through our website.

13. Changes to these Privacy Principles

AIG Canada reserves the right to modify these Privacy Principles from time to time. If these

Privacy Principles change materially, we will take reasonable measures to notify you, including

posting a copy of the revised Privacy Principles to our website. Accordingly, we recommend that

you review our current Privacy Principles from time to time at Aig.ca.

Page 1 of 7

PREMIUM DEVICE PROTECTION FOR APPLE FEATURING APPLECARE SERVICES

TERMS AND CONDITIONS – APPLE IPHONES AND IPADS

(Manitoba and Saskatchewan)

Premium Device Protection for Apple Featuring AppleCare Services Contract. These

terms and conditions together with the applicable portions of Your monthly bill (“Bill”) from

ROGERS, welcome letter, applicable Bill inserts, and applicable written communications from

Us to You govern the Device Protection Plan and constitute Our contract with you

(hereinafter the “Premium Device Protection Plan Contract” or “Contract”), so You

should keep a copy for future reference. This Contract and Your agreement with ROGERS

(including your applicable Rogers service agreement and the Rogers Terms of Service)

are, and shall remain, separate agreements, but in order to maintain service under this

Contract, You must also maintain Your wireless service with ROGERS in good standing

and be financially current on Your ROGERS account. If any portion of this Contract is

deemed invalid or unenforceable, it shall not invalidate the remaining portion of this Contract.

Your ROGERS wireless device number for the Protected Device is Your Contract number. This

Contract is purchased in and governed by the laws of the province identified in Your billing

address in the records of ROGERS and the federal laws of Canada applicable therein and

is only available in the Provinces of Manitoba and Saskatchewan. The Device Protection

Plan may be offered by ROGERS to customers along with other device support programs

that contain other support features and are subject to their own terms and conditions.

Premium Device Protection Plan Fee Schedule

Monthly Service and Processing Fees – Apple

iPhones and iPads

Tier

MSRP at the

time of

Enrollment

Monthly

Service

Fee*

Warranty

Malfunction

Repair

Processing

Fee

$0 - $599.99

$6.99

$0.00

$600 - $799.99

$8.99

$0.00

$800 - $1,499.99

$15.99

$0.00

$1,500 - $3,000

$18.99

$0.00

* This is the Monthly Service fee currently in market. Note that you may be subject to a different

Monthly Service Fee, which is indicated on your Rogers bill.

Additional Fees that May Apply

Tier

MSRP

Non-Returned

Equipment Fee

Locked Device

Fee

$0 - $599.99

$75.00

$600 - $799.99

$300.00

$800 - $1,499.99

$650.00

$1,500 - $3,000

$800.00

Page 2 of 7

Definitions. (1) “AppleCare Services” means (i) Technical Support, and (ii) Warranty

Malfunction fulfillment by Apple. (2) “AppleCare Services Eligibility Period” means the full

length of Your enrollment in the Premium Device Protection Plan, as measured from the

Effective Date, during which You are eligible to receive AppleCare Services. (3) “Eligible

Device” means the wireless device that We have designated as eligible for service

under the Premium Device Protection Plan Contract as set forth in the list of Eligible

Devices and their device tier available from Us, which can be found at

www.Brightstarprotect.com/rogers or by calling 1-855-877-3887. (4) “Enrollment Date”

means the date Your request for enrollment is received by Us or our authorized

representative. (5) “Failure” means during the time this Contract is in effect, the occurrence

of Warranty Malfunction. (6) “Premium Device Protection Plan” means the Premium

Device Protection for Apple Featuring AppleCare Services service warranty program

described in this Contract. (7) “Protected Accessory(-ies)” means the following

Accessories used with the Eligible Device: one standard battery and one standard charger.

One SD memory card and one SIM card, each as standard for the Eligible Device, are also

protected. (8) “Protected Device” means the Eligible Device owned or leased by You and

actively registered on the ROGERS network and for which airtime has been logged after

enrollment into the Premium Device Protection Plan. Protected Device is limited to one

Eligible Device and applicable Protected Accessory per replacement or repair. The

International Manufacturer’s Equipment Identification (IMEI) associated with Your account

in the record of ROGERS at the time Your protection initially becomes effective and for

which airtime has been logged determine the Eligible Device that is considered a Protected

Device. (9) “Replacement Equipment” means a wireless device of like kind and quality

with comparable features and functionality to the Protected Device that We may provide to

You in the event of a Failure of the Protected Device. (10) “ROGERS” means ROGERS

Communications Canada Inc. and its successors and assigns, with addresses at 333

Bloor Street East, Toronto, Ontario, Canada M4W 1G9. (11) “Technical Support” means

unlimited web and technical support provided by Apple, Inc. or one or more of its affiliates

(“Apple”). (12) “Warranty Malfunction” means the operational or structural malfunction of

the Protected Device’s ability to operate due to defects in parts or workmanship during your

enrollment in the Premium Device Protection Plan. (13) “We,” “Us” and “Our” mean

ROGERS, the company obligated under this Contract. (14) “You” and “Your” refers to

the ROGERS account holder that purchased this Contract.

What is Protected. If the Protected Device suffers a Failure during the time this Contract

is in effect, We will repair or replace the Protected Device, at Our option, as described

below. If a Failure affects a Protected Accessory in conjunction with the Failure of the

Protected Device, or if the Protected Device is replaced with a different model, We will

also replace the Protected Accessory(ies). In the case of a replacement, Protected

Devices will be replaced with a wireless device of like kind and quality with comparable

features and functionality to the Protected Device. THERE IS NO ASSURANCE,

REPRESENTATION, OR WARRANTY THAT ANY REPLACEMENT EQUIPMENT

WILL BE IDENTICAL OR OFFER THE SAME FUNCTIONALITIES AS THE ITEM

BEING REPLACED. REPLACEMENT EQUIPMENT WILL BE NEW,

REMANUFACTURED OR REFURBISHED, IN OUR SOLE DISCRETION.

The Replacement Equipment immediately becomes the Protected Device. If We replace

Your device under the Premium Device Protection Plan Contract, We reserve the right

to take possession and ownership of Your defective or damaged Protected Device. You

hereby assign to Us all rights and benefits of any manufacturer’s warranty or other ancillary

Page 3 of 7

coverage related to any Protected Device that We replace. We will provide a twelve (12)

month warranty on parts and workmanship for any repaired Protected Device or

Replacement Equipment. In the event that the repaired Protected Device or Your

Replacement Equipment fails to function due to any defects in parts or workmanship during

this twelve (12) month warranty period, We will repair or replace the repaired Protected

Device or Replacement Equipment, in Our sole discretion, at no cost to You. Such service

will not be charged against Your annual service limit under the Premium Device Protection

Plan Contract.

Changes to the Premium Device Protection Plan and Contract. You agree to all the

provisions of this Contract when You order the Premium Device Protection Plan and/or

pay for it. If the Protected Device is changed to another Eligible Device at any time while

covered by the Premium Device Protection Plan, ROGERS will apply the correct monthly

fee for the Premium Device Protection Plan applicable to that device being used under

Your ROGERS account. We may also change the monthly charge for the Premium Device

Protection Plan, the administration of the Contract, or these terms and conditions from

time to time upon at least thirty (30) days written notice to You. Such notice may be

provided in a Bill insert; as a message printed on Your Bill; by email; in a separate mailing;

or by any other reasonable method, at Our discretion, and will clearly and legibly set out its

effective date and either the new clause only, or the amended clause and the original

clause. You may refuse the amendment and rescind or cancel the Contract without cost,

penalty or cancellation by sending Us a notice to that effect no later than thirty (30) days

after the amendment comes into force. Your continued use of the Premium Device

Protection Plan and payment of the charges, after such notice, constitutes Your acceptance

of the changes. The Premium Device Protection Plan is available only to wireless device

service customers of ROGERS. Your participation in the Premium Device Protection Plan

is optional and You may terminate the Contract at any time. Please refer to the Cancellation

section of this Contract.

Contract Service Period. Your service benefits under this Contract begin on the Enrollment

Date and continue from month to month until terminated by You or by Us in accordance

with the Cancellation section of this Contract and subject to the Service Limits section of

this Contract.

Charges. You agree to pay the amount for this Contract shown on Your ROGERS Bill for

wireless service each month when invoiced by ROGERS on the same terms and conditions

as set forth under Your ROGERS service agreement. Applicable Processing Fees, non-

protected failure charges, Service Request Conversion Fees, Locked Device Fees,

shipping and restocking charges, taxes, and regulatory surcharges and assessments, if

any, may apply prior to fulfilling Your approved Service Request (defined below). ROGERS

reserves the right to charge applicable fees for the Premium Device Protection Plan in

the event the Protected Device changes. Charges and/or additional fees may be found at

www.Brightstarprotect.com/rogers.

To Obtain Service. In the event of a Failure of a Protected Device, You may file a service

request by calling 1-855-877-3887 or online at www.Brightstarprotect.com/rogers (“Service

Request”). If Your Protected Equipment experiences a Warranty Malfunction, You may

also file a Service Request via getsupport.apple.com or by calling 1-800-APL-CARE. You

may file a Service Request pursuant to AppleCare Services for Warranty Malfunction at any

time during the AppleCare Services Eligibility Period. If Your Service Request is approved,

We will offer you Replacement Equipment or a repair of Your Protected Device (if

Page 4 of 7

available, as determined by Us). For repairs, You may mail-in Your Protected Device, or

may choose to visit an authorized repair location (if available in Your area, as determined

by Us), or an authorized repair technician may come to a location of Your selection (if

available in Your area, as determined by Us). Additional information on repair is available

at www.Brightstarprotect.com/rogers. We are not responsible for any loss of data,

personal or otherwise, on Your Protected Device that may occur during the repair process.

If you have a Protected Device that is not repairable, a device that is ineligible for repair,

there is not an authorized repair location or technician available, or We determine that a

replacement is necessary, We will contact You informing You that a Replacement Device

will be provided to You. For Replacement Devices, We will ship the Replacement Device

the next business day, where and when available. We may provide You with the option to

receive the Replacement Equipment the same day Your Service Request is completed for

an additional fee, where and when available, in Our sole discretion. WE MAY REQUIRE,

AS A CONDITION OF APPROVAL OF YOUR SERVICE REQUEST, THAT YOU

PROVIDE PROOF OF PURCHASE OR LEASE FOR THE PROTECTED DEVICE AND/OR

YOUR GOVERNMENT ISSUED PHOTO I.D. OR OTHER DOCUMENTATION OR

INFORMATION AS REASONABLY NECESSARY TO ESTABLISH YOUR RIGHT TO

SERVICE WITHIN SIXTY (60) DAYS FROM THE DATE OF THE REQUEST. We also retain

the right to inspect the Protected Device as a condition of approval of Your Service Request.

Processing Fees. A nonrefundable Processing Fee, plus applicable taxes, applies to

each approved Service Request. The Processing Fee will be collected from you prior to

fulfilling Your approved Service Request. Prepaid credit cards may not be used to pay Your

applicable Processing Fee. A complete list of Eligible Devices and their device tier are

available at www.Brightstarprotect.com/rogers or by calling 1-855-877-3887.

Service Limits. During the AppleCare Services Eligibility Period, You are eligible to

receive unlimited Warranty Malfunction Service Requests. For all Service Requests, We

will cover the cost to replace or repair the Protected Equipment up to a maximum retail

value of $3,000.00 per Service Request, inclusive of Protected Accessories.

Return of Replaced Protected Devices/Non-Return Fee. A Protected Device that is

approved for replacement must be returned to Us at Our shipping expense in the return

mailer included with Your Replacement Equipment within thirty (30) days. The Protected

Device We replace becomes property of ROGERS and You hereby assign to Us all rights

and benefits of any manufacturer’s warranty or other ancillary coverage relating to any

Protected Device that We replace. If We do not receive Your original equipment within

thirty (30) days, You will be charged a Non-Returned Equipment Fee up to $800.00

plus applicable taxes. The Non-Returned Equipment Fee will be charged to the credit card

We have on file for You, or may be included on Your monthly bill, in Our sole discretion.

Locked Device Fee. If You file a Service Request for any Failure, We will ask You at the

time You file Your Service Request to disable any locking feature on Your Protected Device.

We will not process Your Service Request until You provide affirmative verification that such

locking feature has been disabled. If You return Your Protected Device with the locking

feature enabled, We will charge a Locked Device Fee (as indicated above) to the credit

card We have on file for You. YOU MAY AVOID THIS FEE BY DISABLING THE LOCKING

FEATURE ON YOUR PROTECTED DEVICE AT THE TIME YOU FILE YOUR SERVICE

REQUEST.

What is not Protected.

Page 5 of 7

The Premium Device Protection Plan does not protect the following:

(1) incidental or consequential damages, unforeseen and unforeseeable damages at the

time of this Contract, or indirect damages where the failure to perform the obligation does

not result from Our intentional or gross fault; (2) failures caused by war, revolution, acts

of public enemy or terrorist, labour difficulties, including without limitation, strikes,

slowdowns, picketing or boycotts, civil commotion, embargo, acts or government, or

military authority; (3) abuse, misuse, or intentional acts; (4) pre-existing Failures of the

Protected Device occurring before the time it was established as the Protected Device;

(5) changes or enhancement in color, texture, finish, expansion, contraction, or any

cosmetic damage to Protected Device however caused, including, but not limited to,

scratches and marring, that do not affect the mechanical or electrical function of the

Protected Device; or (6) Failure of the Protected Device caused by computer viruses or

similar unauthorized intrusive codes or programming; (7) loss; (8) theft; or (9) accidental

damage from handling (including liquid damage). For clarity, in Manitoba and Saskatchewan,

loss, theft, and accidental damage are covered by a separately issued insurance policy.

Further, Protected Device does not include and the Premium Device Protection Plan does

not protect: (1) Contraband or property in the course of illegal transportation or trade; (2)

property in transit to You from anyone other than Us; (3) routine maintenance and

consumable items, such as batteries (one standard battery will be provided with

Replacement Equipment if the Replacement Equipment is a different model than the

Protected Device or if the battery was part of the Failure to the Protected Device); (4)

antennas, unless there is also a Failure of the Protected Device; or (5) any accessories

(unless otherwise covered as a Protected Accessory when part of a Failure to the Protected

Device), including but not limited to color face plates, personalized data, or customized

software, such as personal information managers (PIMs), ring tones, games, or screen

savers.

Cancellation. You may terminate this Contract at any time for any reason by contacting

Rogers at 1-888-ROGERS1. We may terminate this Contract immediately if You default

on Your obligations. We may terminate this Contract for any other reason by notifying You

in writing at least thirty (30) days prior to the effective date of cancellation. If You or We

terminate this Contract within thirty (30) days from Your receipt of this Contract and You have

not received a fulfilled Service Request, You will receive a full refund of the of the monthly

service fee. If You or We terminate this Contract after thirty (30) days following the Enrollment

Date, We will refund the remainder of the monthly service fee, pro-rated on a daily basis as

measured by the date You cancel the Contract. We will also discontinue all monthly charges

for the Plan as of the effective date of cancellation. Any termination and cancellation of Your

wireless service with ROGERS for any reason constitutes cancellation of this Contract by

You, subject to the terms and conditions of this Contract.

Electronic Delivery. You expressly and knowingly agree and consent to permit Us

(including any third party vendor, or representative through which we provide services under

this Contract) to make disclosures and provide notices to You by bill message, text

message, letter or e-mail, or any other method in accordance with Your Rogers Terms of

Service.

Service Contract. This Contract is a contract between You and Us that provides the

specified services outlined herein. This contract is not an insurance policy and provides

no insurance coverage or insurance benefits to You.

Page 6 of 7

Limits of Liability. In the event of any error, omission or failure by Us or Our agents or

service providers with respect to the Premium Device Protection Plan Contract or the

services provided by Us or Our agents or service providers hereunder, Our

RESPONSIBILITY AND LIABILITY AND THAT OF OUR AGENTS OR SERVICE

PROVIDERS SHALL BE LIMITED TO THE CHARGES ACTUALLY PAID BY YOU FOR

THE PREMIUM DEVICE PROTECTION PLAN CONTRACT (BUT NO MORE THAN THE

LAST TWENTY-FOUR (24) MONTHLY CHARGES YOU PAID FOR THE PREMIUM

DEVICE PROTECTION PLAN CONTRACT). THIS IS YOUR SOLE REMEDY FOR ANY

ERRORS, OMISSIONS OR FAILURE OF US OR OUR AGENTS’ OR SERVICE

PROVIDERS’ PERFORMANCE. FURTHER, UNDER NO CIRCUMSTANCES SHALL WE

OR OUR AGENTS OR SERVICE PROVIDERS BE LIABLE FOR ECONOMIC LOSSES,

INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE

DAMAGES (EVEN IF WE OR OUR AGENTS OR SERVICE PROVIDERS HAVE BEEN

ADVISED OF OR HAVE FORESEEN THE POSSIBILITY OF SUCH DAMAGES) ARISING

FROM THE PREMIUM DEVICE PROTECTION PLAN CONTRACT OR OUR AGENTS’

OR SERVICE PROVIDERS’ PERFORMANCE UNDER THE PREMIUM DEVICE

PROTECTION PLAN CONTRACT, OR UNDER ANY PROVISION OF THIS CONTRACT,

SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS

OR LOST BUSINESS. EXCEPT AS OTHERWISE EXPRESSLY STATED IN THIS

CONTRACT, WE HEREBY SPECIFICALLY DISCLAIM ANY AND ALL CONDITIONS,

REPRESENTATIONS OR WARRANTIES, STATUTORY, EXPRESS OR IMPLIED,

REGARDING THE PREMIUM DEVICE PROTECTION PLAN CONTRACT AND

SERVICES TO BE PROVIDED HEREUNDER BY US AND OUR AGENTS OR SERVICE

PROVIDERS, INCLUDING ANY IMPLIED WARRANTY OF TITLE, MERCHANTABILITY

OR FITNESS FOR A PARTICULAR PURPOSE AND IMPLIED WARRANTIES ARISING

FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

Force Majeure. We have no responsibility for delays or failures due to acts of God, fire,

flood, explosion, war, revolution, acts of public enemy or terrorist, labour difficulties,

including without limitation strikes, slowdowns, picketing or boycotts, civil commotion,

embargo, acts of government in, military authority, or the elements, or other causes beyond

our reasonable control, and in such event We may cancel this Contract and the Premium

Device Protection Plan Contract immediately.

Prohibitions on Transfer and Abuse of the Premium Device Protection Plan Contract.

This Premium Device Protection Plan is for Your use only. It is only transferable by

ROGERS to any other person. Wireless devices owned or leased by anyone other than

You may not be made a Covered Equipment. Any abuse of the Premium Device Protection

Plan by You, including but not limited to seeking replacement of a wireless device not

belonging to You, may result in termination of this Contract upon notice.

Concealment, Misrepresentation of Fraud. The protection provided by this Contract is

void if You commit fraud or intentionally conceal or misrepresent a material fact concerning

this Contract, the Protected Device, Your interest in the Protected Device, or a Service

Request under this Contract.

Data Privacy. As part of the services offered to You pursuant to this Contract, ROGERS

may collect, use, and disclose personal information about You for the purposes of

establishing, managing, and maintaining our relationship in accordance with ROGERS’

Our service providers and with other third parties that are located in countries outside of

Page 7 of 7

Canada, in accordance with ROGERS’ privacy policy.

ENDORSEMENT NO 1

This Endorsement effective 12:01 a.m. December 10, 2021 forms a part of Policy #7581895

issued to: Rogers Communications Canada Inc. (ACS)

by: AIG Insurance Company of Canada

It is hereby understood and agreed that Item 7 of the Certificate Declarations is hereby amended as

follows:

Item 7. Processing Fee/Deductible:

The processing fee (also known as the deductible) will be the amount corresponding to the retail value of

the Named Insured’s wireless device when initially purchased. The MSRP is the non-subsidized, non-

discounted retail price of the wireless device.

Deductibles - Apple iPhone 11 and earlier Apple iPhone models and iPads

Tier

MSRP

at the time of

Enrollment

Repair

Processing

Fee – Screen

Break

Only*

(iPhone)

Repair

Processing

Fee – All Other

Damage

(iPhone)

Repair

Processing

Fee – Damage

(iPad)

Lost/Theft

Replacement

Processing Fee

$0 - $599.99

$39.00

$129.00

$49.00

$150.00

$600 - $799.99

$39.00

$129.00

$49.00

$200.00

$800 - $1,499.99

$39.00

$129.00

$49.00

$300.00

$1,500 - $3,000

$39.00

$129.00

$49.00

$400.00

* You may receive up to one Claim (excluding iPad) for repair of glass breakage only (with no other

defects or evidence of loss or failure present) for Your Covered Equipment and You will not be

required to pay a Repair Processing Fee.

Deductibles - Apple iPhone 12 and later Apple iPhone models

Tier

MSRP at the

time of

Enrollment

Repair

Processing

Fee – First

Claim –

Front

Screen or

Back Glass

Repair

Processing

Fee – First

Claim** –

Front

Screen and

Back Glass

Repair

Processing

Fee –

Second and

Subsequent

Claims –

Front

Screen or

Back Glass

Repair

Processing

Fee –

Second and

bsequent

Claims–

Front

Screen and

Back Glass

Repair

Processing

Fee – All

Other

Damage

Lost/Theft

Replacement

Processing

Fee

$0 - $599.99

$39.00

$78.00

$129.00

$150.00

$600 - $799.99

$39.00

$78.00

$129.00

$200.00

$800 - $1,499.99

$39.00

$78.00

$129.00

$300.00

$1,500 - $3,000

$39.00

$78.00

$129.00

$400.00

** If both the front screen and the back glass require repair at the same time, it counts as one claim.

All other terms and conditions remain unchanged.

_________________________

Authorized Representative

Dated: January 18, 2022

ENDORSEMENT NO. 2

This endorsement, effective 12:01 A.M. April 23, 2021 forms a part of Policy #7581895

Issued to: Rogers Communications Canada Inc. (ACS)

By: AIG Insurance Company of Canada

It is hereby understood and agreed that effective Item 5 – Authorized Representative of the Certificate

Declarations is amended to read as follows:

Program Administrator:

Name:

Likewize Device Protection, Ltd.

Address:

40 King Street West, Suite 2100

Toronto, ON M5H 3C2, Canada

Phone:

+1 844-225-6333

Producer:

Name: Paisley Partners Inc.

Address: 3385 Harvester Road, Suite 210

Burlington, Ontario

Canada L7N 3N2

Date of Producer Name Change: November 1, 2021

All other terms and conditions remain unchanged.

______________________________

Authorized Representative

Dated: January 19, 2022

ENDORSEMENT NO. 3

This endorsement, effective 12:01 A.M. May 5, 2022 forms a part of Policy No. 7581895 Issued

to: Rogers Communications Canada, Inc. (ACS)

By: AIG Insurance Company of Canada

It is hereby understood and agreed this policy is renewed for a further twelve (12) month period to

expire on May 5, 2023.

It is further agreed, the renewal premium to be charged is based on the monthly bordereaux.

All other terms and conditions remain unchanged.

Authorized Representative

Dated: May 3, 2022