Device Protection Service LOSS • THEFT • DAMAGE • MECHANICAL Or ELECTRICAL FAILURE

Device Protection Service LOSS • THEFT • DAMAGE • MECHANICAL or ELECTRICAL FAILURE

Device Protection Service combines the Device Coverage and Device Enhanced Warranty programs. The Device Coverage insurance is underwritten by Old Republic Insurance Company and Asurion Insurance Services, Inc., (in New York, Asurion; in California, License #0B35141; in Iowa, License #1001000131) is the insurance agent and provides claims servicing under this program. The Device Enhanced Warranty plan is provided by Asurion Technology Services, Inc. Be Covered.

Your device is an important part of your life. Protect it from mishaps, loss and other unfortunate incidents with a protection plan for nTelos wireless customers. From comprehensive coverage to an easy claims process, nTelos wireless has you covered when it comes to safeguarding your device. What’s Inside

■ Device Protection Service ...... p.0 3-6 ■ Device Coverage...... p.0 7-24 ■ Device Enhanced Warranty ...... p.025-35

2 3 Device Protection Service Device Protection Service

Device Protection Service covers your device against loss, theft, liquid or physical damage and protects against mechanical or electrical failures due to defects in materials or workmanship or normal wear and tear.

Think of it as peace of mind for you.

Great Coverage. Great Value. Device Protection Service combines Device Coverage and Device Enhanced Warranty to provide comprehensive coverage for $6.99 or $10.99 per month, per device (depending on model). Here’s how it works:

If your covered nTelos wireless device, data card or Wi-Fi router is lost, stolen or damaged (including liquid damage), the Device Coverage program saves the day. A $50, $100, $170, or $200 non-refundable deductible (depending on device) applies per approved claim occurrence. Device replacements for approved claim occurrences typically arrive in one business day if submitted before 10:00 PM ET*.

If your covered nTelos wireless device, data card, or Wi-Fi router has a mechanical or electrical failure due to defect in materials or workmanship or normal wear and tear, the Device Enhanced Warranty program kicks in with a replacement. A $50, $100, $170, or $200 non-refundable claim service fee (depending on device) applies per approved claim for failures that occur after the manufacturer’s warranty period expires. Device replacements for approved claim occurrences typically arrive in one business day if submitted before 10:00 PM ET.*

Device Coverage and Device Enhanced Warranty are each available separately.

If you provide your email address or other electronic address to nTelos, we may communicate program information and legal notices with you through electronic means. If you wish to update your email or opt out of electronic communications, please visit your local nTelos store.

* Devices for claim occurrences submitted on Saturday or Sunday will typically arrive in two business days.

2 3 How to Enroll

Ask an nTelos wireless sales rep, go to www.nteloswireless.com, or call 877-468-3567 to enroll. How to File a Claim

To file a claim for a device that is lost, stolen, damaged, or experiencing a mechanical or electrical failure, call 877-868-8775.

Device Protection Service Details Summary of the Device Coverage terms and conditions and the Device Enhanced Warranty terms and conditions are located in this brochure.

$6.99 or $10.99 per month, per Monthly Charge device (depending on model)

$50, $100, $170, or $200 Deductible/Claim non-refundable deductible/claim Service Fee* service fee per approved claim depending on model

Three loss, theft or damage claim occurrences within any consecutive 12 Limits months with a maximum replacement value of $1,500 per occurrence

· Claims may be fulfilled with new or refurbished equipment · If your same make and model is Replacement not available, a comparable model Equipment of a like kind and quality will be substituted · Color, features and accessory compatibility are not guaranteed

Loss, theft, physical or liquid damage, mechanical or electrical failure due to Covered Incidents defects in materials or workmanship or normal wear and tear

You may cancel your optional coverage at any time and receive Cancellation Policy a prorated refund of your unearned premium/charges

* There is no claim service fee for approved mechanical or electrical claims during the manufacturer’s warranty period.

4 5 Device Device Protection Service Protection Summary Service: Device Device of Coverage Best Enhanced Coverage Options Value, Warranty Broadest Coverage $6.99 or $5.39 or $2.99 or $10.99 $8.39 per $3.99 per per month, month, month, Monthly Charge per device per device per device (depending (depending (depending on model)** on model) on model) Deductible/Claim $50, $100, $50, $100, $50, $100, Service Fee* $170, or $170, or $170, or (non-refundable $200 $200 $200 deductible/Claim depending depending depending Service Fee per on device on device on device approved claim) model** model** model** Mechanical or Electrical Failure due to defects in Material and P No P Workmanship or Normal Wear and Tear Physical Damage P P No Liquid Damage P P No Loss & Theft P P No Device Protection Service includes Device Coverage and Device Enhanced Warranty. Please refer to page 8 for a summary of the Device Coverage terms, conditions and limitations of coverage. Please refer to page 28 for the Device Enhanced Warranty terms, conditions and limitations of coverage. All applicable taxes and surcharges extra.

* There is no claim service fee for approved mechanical or electrical claims during the manufacturer’s warranty period. ** See deductible schedule on page 6. For a complete and current list of devices with associated premium and deductible amounts, please visit www.phoneclaim.com/ntelos or call Asurion at 877-868-8775.

Covered Devices Eligible nTelos wireless devices, data cards, or Wi-Fi routers. You are also covered for the following accessories if the accessory was part of the loss to the covered device: one standard battery, one standard charger, one standard wired earbud (not wireless or other specialty earpieces such as Bluetooth) and SIM card (if applicable).

4 5 Coverage Limitations Coverage is subject to certain limitations and exclusions, such as loss caused by intentional acts or cosmetic damage. See the summary of the Device Coverage terms and conditions and the complete Device Enhanced Warranty terms and conditions for exclusions and limitations.

SCHEDULE A Deductible: $50 Claim Limit: $1,500

A sampling of devices includes: Kyocera S2100 Luno Samsung SCH-R390 Freeform 4 Motorola W845 Quantico Samsung SCH-R680 Repp Samsung SCH-R261 Chrono Sonim XP3400 Armor

SCHEDULE B Deductible: $100 Claim Limit: $1,500

A sampling of devices includes: HTC Desire 816 LG Optimus F7 HTC Desire 601 LG G3 HTC One M7 Samsung Galaxy S2

SCHEDULE C Deductible: $100 Claim Limit: $1,500

A sampling of devices includes: Apple® iPhone® 4 (8GB) Apple® iPhone® 5C (8GB) Apple® iPhone® 4S (8GB) Apple® iPhone® 5C (16GB) Apple® iPhone® 4S (16GB) Samsung Galaxy S5 Apple® iPhone® 5 (16GB)

SCHEDULE D Deductible: $170 Claim Limit: $1,500

A sampling of devices includes: Apple® iPhone® 5S (16GB) Samsung Galaxy S6 (32GB) Apple® iPhone® 6 (16GB)

SCHEDULE E Deductible: $200 Claim Limit: $1,500

A sampling of devices includes: Apple® iPhone® 5S (32GB) Samsung Galaxy S6 (64GB) Apple® iPhone® 6 (64GB) Samsung Galaxy S6 Edge Apple® iPhone® 6 Plus (16GB)

This list is updated from time to time. If your device is not listed above or for a complete and current list of devices with associated premium and deductible amounts, please visit www.phoneclaim.com/ntelos or call Asurion at 877-868-8775.

6 Device Coverage

Device Coverage provides coverage for your nTelos wireless device, data card or Wi-Fi router if it is lost, stolen or damaged.

Device Coverage Details A summary of the terms and conditions is located in this brochure on page 11. $5.39 or $8.39 per month, Monthly Premium per device (depending on model)* $50, $100, $170, or $200 non-refundable deductible Deductible per approved claim depending on model* Three loss, theft or damage claim occurrences within any consecutive 12 Limits months with a maximum replacement value of $1,500 per occurrence

· Claims may be fulfilled with new or refurbished equipment · If your same make and model is not available, a Replacement Equipment comparable model of a like kind and quality will be substituted · Color, features and accessory compatibility are not guaranteed

Loss, theft, physical or Covered Incidents liquid damage You may cancel your optional coverage at Cancellation Policy any time and receive a prorated refund of your unearned premium

* See deductible schedule on page 6. For a complete and current list of devices with associated premium and deductible amounts, please visit www.phoneclaim.com/ntelos or call Asurion at 877-868-8775.

8 9 Devices Covered Eligible nTelos wireless devices, data cards, or WiFi routers. You are also covered for the following accessories if the accessory was part of the loss to the covered device: one standard battery, one standard charger, one standard wired earbud (not wireless or other specialty earpieces such as Bluetooth) and SIM card (if applicable).

To Enroll Ask an nTelos wireless sales rep, go to www.nteloswireless.com, or call 877-468-3567 to enroll. Devices are only eligible for enrollment into the program upon approval. Approval of your request is at the sole discretion of the underwriter, Old Republic Insurance Company. You will receive a notice if your device is approved for enrollment. If approved, coverage is retroactive to when the request is submitted. If you receive a notice that your device did not meet the program eligibility requirements, it will not be eligible for enrollment into the program. Monthly billing will begin immediately following approval of your request and verification that your service and account status are active. A low monthly charge of $5.39 or $8.39 per month, per device

(depending on model) will be added to your nTelos wireless bill each Device Coverage month. This charge is the premium payable to the underwriter, Old Republic Insurance Company, which includes billing fees paid to nTelos wireless and administrative fees payable to Asurion.

To File A Claim · Call 877-868-8775 or visit www.phoneclaim.com/ntelos. · If your device is lost or stolen, contact nTelos wireless immediately at 877-468-3567 to suspend your service. · File your claim within 60 days of loss and provide any information requested to support your claim. · Pay a $50, $100, $170, or $200 non-refundable deductible depending on device model per approved claim occurrence. · If your device is damaged or later recovered, it must be returned to the authorized service center to avoid the non-returned equipment charge of up to $300. We will mail you the necessary shipping material to return the device and avoid the charge. Once a claim is approved by Asurion and you have paid the appropriate non-refundable deductible, your device will be replaced quickly and easily. Device replacements typically arrive in one business day if submitted before 10:00 PM ET.* You will be shipped the same or comparable equipment, of like kind and quality, with similar features as your original equipment.

* Devices for claim occurrences submitted on Saturday and Sunday will typically arrive in two business days.

8 9 IMPORTANT DISCLOSURES Coverage Limitations This insurance coverage does contain limitations and exclusions. For example, loss caused by intentional acts or cosmetic damage and device failures due to faulty parts or workmanship are excluded. Exclusions and limitations can be found in the included summary of the Wireless Communication Equipment Commercial Inland Marine Insurance Policy. Duplication of Coverage Device Coverage may provide a duplication of coverage already provided by a consumer’s personal auto insurance policy, homeowner’s insurance policy, renter’s insurance policy, personal liability insurance policy or other source of coverage. Associate Qualifications Unless otherwise licensed, nTelos wireless sales reps are not qualified or authorized to evaluate the adequacy of your existing insurance coverage. Questions regarding this program should be directed to Old Republic Insurance Company’s licensed agent, Asurion, at 877-868-8775. Optional This is optional insurance coverage that you are not required to purchase in order to purchase services or equipment. Customer Support Asurion and Old Republic strive to satisfy every customer and ask that you allow them the opportunity to resolve any question, concern or complaint you may have by calling 877-868-8775. For residents of Maryland, the Maryland Insurance Administration consumer hotline is 1-800-492-6166. NOTE: Any person, who knowingly and with intent to injure, defraud or deceive any insurer, files a statement of claim or an application containing any false, incomplete or misleading information is guilty of insurance fraud. In Florida, such conduct is a felony of the third degree. In Oregon, this note does not apply. The Device Coverage program is a service provided to customers of nTelos wireless. Asurion is the agent and provides claims servicing under this program. Old Republic Insurance Company is the underwriter of the insurance. The following is a summary of the Wireless Communication Equipment Commercial Inland Marine Insurance Policy. THE ENCLOSED POLICY CONTAINS A BINDING ARBITRATION PROVISION THAT REQUIRES THE SUBMISSION OF ALL DISPUTES (EXCEPT WHERE EXPRESS EXEMPTIONS ARE PROVIDED) TO FINAL AND BINDING ARBITRATION IN ACCORDANCE WITH THE PROVISION SET FORTH IN PARAGRAPH 1 UNDER SECTION G. ADDITIONAL CONDITIONS.

10 11 Old Republic Insurance Company SUMMARY OF WIRELESS COMMUNICATIONS EQUIPMENT COMMERCIAL INLAND MARINE INSURANCE POLICY Various provisions in the policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. The words ‘’we,’’ ‘’us’’ and ‘’our’’ refer to Old Republic Insurance Company that is providing this insurance. The terms ”you” and ”your” mean, as the context requires, the First Named Insured or any Additional Insured or both. The word “Agent” refers to Asurion Insurance Services, Inc. (hereinafter “Asurion”). The term “Authorized Service Center” means the service center providing repair and replacement services on our behalf. The term “Wireless Service Provider” means nTelos Communications Inc. (hereinafter “nTelos”), who is the First Named Insured, providing the Covered Property. A. COVERAGE In exchange for premium paid when due, we agree to Device Coverage provide the coverage as stated in the policy on a month to month basis, provided that any covered damage or loss to the Covered Property is sustained while your coverage is in effect. 1. Who Is Covered a. First Named Insured The First Named Insured is nTelos for its interest in Covered Property. b. Additional Insureds The First Named Insured has the right to request Additional Insured status for a customer for his or her interest in Covered Property which he, she or it owns (referred to herein collectively with the First Named Insured as “Insured”). Requests for coverage for Additional Insureds are subject to our approval. 2. Covered Property Covered Property means only the mobile wireless communications equipment owned by you for which: 1) the unique identification number (Electronic Serial Number (ESN) or Mobile Equipment ID (MEID)) of such wireless device is reflected in the records of the Wireless Service Provider at the time your coverage initially became effective; and 2) for which outgoing airtime usage has been logged with the Wireless Service Provider on your account after coverage became effective; unless you have

10 © 2011 Asurion Insurance Services, Inc. 11 ORIC-WCEC-102 (11/11) – sum 11/15 logged outgoing airtime on a different wireless device immediately prior to the time of loss, in which case such wireless device becomes the covered property so long as: i) such wireless device is owned by you and you provide us proof of ownership; and ii) airtime usage was logged on such wireless device on your account with the Wireless Service Provider immediately prior to the time of loss. The following Accessories, used with the wireless device above: one standard battery (attached to wireless device at time of loss if lost or stolen), one standard charger, one SIM card (if applicable), or one standard wired earbud (not wireless or other specialty earpieces such as Bluetooth). Accessories will only be covered when they are part of a loss to Covered Property and for which you may be required to provide a proof of purchase. 3. Coverage Period Coverage is provided for the Policy Period shown in the Declarations subject to Section G.4.b. 4. Coverage Territory We insure the Covered Property when it is present in the United States or its territories and Canada. We do not insure the Covered Property when it is outside the United States or its territories or Canada. We may require any claims occurring outside the United States or its territories to be processed in the United States. 5. Covered Causes of Loss Covered Causes of Loss means risks of being lost, stolen or directly damaged, except as limited or excluded elsewhere in the policy. 6. Property Not Covered Covered Property does not include: a. Contraband or property in the course of illegal transportation or trade. b. Data, meaning information input to, stored on, or processed by the Covered Property. This includes documents, databases, messages, licenses, contact information, passwords, books, games, magazines, photos, videos, ringtones, music, and maps. c. Proprietary electronic devices included with automobile systems and any motor vehicle or watercraft original or after-market equipment or accessories, whether or not permanently installed, including any antenna or wiring. d. Property that has been entrusted to (including to and from) others for any service, repair or replacement, other than the Authorized Service Center or its designee. e. Nonstandard Software, meaning software other than Standard Software. “Standard Software” means

ORIC-WCEC-102 (11/11) – sum 11/15 12 © 2011 Asurion Insurance Services, Inc. 13 the operating system pre-loaded on or included as standard with the Covered Property from the manufacturer. f. Wireless Equipment whose unique identification number (including serial number, ESN, MEID, IMEI or similar unique identification number) has been altered, defaced or removed. g. Nonstandard External Media, meaning physical objects on which data can be stored but which are not integrated components of the Covered Property required for it to function. This includes data cards, memory cards, external hard drives, and flash drives. Nonstandard External Media does not include Standard External Media. “Standard External Media” means physical objects on which data can be stored and that came standard in the original packaging with the Covered Property from the manufacturer but which are not integrated components of the Covered Property required for it to function. h. Any property you lease, rent or hold for others. i. Any other equipment or accessories not described as Covered Property. j. Batteries (unless otherwise covered as a covered Device Coverage accessory when part of a loss to other Covered Property). B. EXCLUSIONS This insurance does not apply to loss or damage identified in any of the following or directly or indirectly caused by or resulting from any of the following: 1. Governmental Authority Seizure or destruction of property by order of governmental authority. 2. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused. If physical loss or damage by fire ensues, we will pay only for such ensuing loss or damage. 3. War a. War, including undeclared or civil war; b. Warlike action by a military force; or c. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss or damage. 4. Delay, Loss of Use Indirect or consequential loss or damage, including loss of use, interruption of business, loss of service, loss of market, loss of time, loss of profits, inconvenience or delay in repairing or replacing lost or damaged Covered Property.

12 © 2011 Asurion Insurance Services, Inc. 13 ORIC-WCEC-102 (11/11) – sum 11/15 5. Electrical and Mechanical Breakdown Failure of Covered Property to operate due to a faulty part or workmanship or normal wear and tear when operated according to the manufacturer’s instructions. 6. Dishonest or Criminal Acts Dishonest, fraudulent or criminal acts by you, any authorized user of the Covered Property, anyone you entrust with the Covered Property or anyone else with an interest in the Covered Property for any purpose, whether acting alone or in collusion with others. 7. Obsolescence Obsolescence or depreciation. 8. Recall or Design Defect a. Manufacturer’s recall; or b. Error or omission in design, programming or system configuration. 9. Cosmetic Damage Cosmetic damage, however caused, that does not affect the manufacturer’s intended use. This includes: a. Cracking, marring, or scratching. b. Change in color or other change in the exterior finish. c. Expansion or contraction. 10. Covered Under Warranty Loss or damage that is covered under the manufacturer’s warranty. In the event we have knowledge of a prior malfunction, proof of repair may be required before coverage for future claims is applicable. 11. Late Claims Claims not reported as required by Section E.3. of the policy. 12. Programming, Repair Work Programming, cleaning, adjusting, repairing, modifying, installing, servicing, maintaining, or performing any other work upon Covered Property. 13. Virus Computer virus or any other malicious code or similar instruction that: a. Disrupts the normal operation of the Covered Property; or b. Results in destruction of or unsuitability of data or programs stored in the Covered Property. 14. Voluntary Parting Voluntarily parting with Covered Property by an Insured or by any person entrusted with Covered Property, whether or not induced to do so by any fraudulent scheme, trick, device or false pretense. 15. Intentional Loss or Damage Abuse, intentional acts, or use of the Covered Property in a manner inconsistent with the use for which it was

ORIC-WCEC-102 (11/11) – sum 11/15 14 © 2011 Asurion Insurance Services, Inc. 15 designed, intended, or advised by the manufacturer or that would void the manufacturer’s warranty. 16. Pollution The discharge, dispersal, seepage, migration or escape of pollutants. Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals, artificially produced electric fields, magnetic field, electromagnetic field, sound waves, microwaves, and all artificially produced ionizing or non-ionizing radiation and/or waste. Waste includes materials to be recycled, reconditioned or reclaimed. 17. Fees or Charges Any fees or charges assessed by the Wireless Service Provider, whether the charges incurred are legitimate or fraudulent. 18. Failure to Mitigate Failure to do what is reasonably necessary to minimize the loss and to protect the Covered Property from any further loss. 19. Vermin Insects, rodents, or other vermin.

C. LIMITS OF INSURANCE Device Coverage The most we will spend in any one occurrence to repair or replace Covered Property is $1,500. The Limit of Insurance applies separately to each claim. Each Additional Insured is limited to 3 losses in any consecutive 12 month time period, including losses incurred by the Additional Insured under any prior consecutive policy issued by us to the First Named Insured. When this limit is exhausted, coverage will cease immediately and we will notify the Additional Insured that coverage has ceased and no future premiums are due. D. DEDUCTIBLE The Deductible is either $50, $100, $170 or $200 depending on whether the Covered Property is found in Schedules A, B, C, D or E and is non-refundable and is payable at the time a repair or replacement is approved by the Agent. This Deductible will apply to each filed and approved covered claim, and does not reduce the Limit of Insurance. Only an Insured may pay the Deductible. E. INSURED’S DUTIES IN EVENT OF LOSS TO INSURED’S COVERED PROPERTY In the event of loss or damage to Covered Property, the Insured presenting the claim must cooperate with us and see that the following are done: 1. Suspend Wireless Service Suspend your wireless communication service, if applicable, as soon as possible if the Covered Property is lost or stolen.

14 © 2011 Asurion Insurance Services, Inc. 15 ORIC-WCEC-102 (11/11) – sum 11/15 2. Notify Police If a claim involves a violation of law or any loss of possession, notify the police and obtain a police report or case number, the police station phone number, and the officer’s name and badge number taking the report. If requested, provide a copy of the police report to our Agent within 30 days of request. 3. Notify Agent, Give Description Notify Asurion within 60 days of the time of loss. Give a complete description of: a. The Covered Property, including make and model, wireless number, if applicable, and unique identification number (such as serial number, ESN, MEID, IMEI or similar unique identification number); and b. How, when and where the loss or damage occurred. 4. Protect Take all reasonable steps to protect the Covered Property from further damage. 5. Permit Inspection Permit us or our Agent to inspect the damaged property. If we request to evaluate your equipment failure prior to completion of your claim, we may require you to take the Covered Property to a specified location in your area, or send it to the Agent or Authorized Service Center at our expense. 6. Statement Under Oath If requested by us or our Agent, submit to questioning under oath about a claim or other matter relating to the policy. In such event, the answers must be signed and may be recorded. 7. Proof of Loss and Ownership If required, provide: a. Proof of ownership, such as a bill of sale, receipt, proof of purchase or warranty exchange. b. A signed, sworn proof of loss or damage containing the information we or our Agent request to settle the claim. We may require this statement to be notarized, for which you may incur a nominal fee. c. A copy of government-issued photo identification. d. Other records and documents that may be reasonably requested. These records must be provided within 30 days after our request for the documentation. 8. Return of Damaged and/or Malfunctioning Covered Property The Additional Insured is required to return the damaged property including, if coverage is provided under the policy, property that suffered mechanical and electrical

ORIC-WCEC-102 (11/11) – sum 11/15 16 © 2011 Asurion Insurance Services, Inc. 17 breakdown, to a location designated by us. If the replacement equipment is sent to you, you will be provided a prepaid shipping label and envelope in which to return the damaged property. Disposal of the damaged Covered Property other than by returning it to the location designated by us, requires the prior consent of us or our Agent. If the damaged Covered Property is not returned as directed within 15 days of the receipt of the replacement equipment, a Non-Return Fee as applicable to the model of Covered Property, not to exceed the Non-Return Fee of up to $300 may be charged to the Additional Insured. Any recovery of lost or stolen property will accrue entirely to our benefit. 9. Take Delivery We may make available to you the approved replacement equipment for pick up at your Wireless Service Provider. We may also ship the approved replacement equipment through our Authorized Service Center directly to you within the United States for which you must be available to take delivery of the replacement equipment within 30 days of claim authorization. If you are not available at the time Device Coverage you agree to take delivery, you may be required to pay the costs of reshipping your replacement equipment. F. OUR DUTIES IN EVENT OF LOSS 1. When We Repair or Replace If a claim is made, we or our Agent will notify the Insured of our Agent’s assessment of the claim within 10 days after we or our Agent receive all the information requested from the Insured presenting the claim. Repair or replacement of the lost or damaged Covered Property will be done within 30 days after the Insured, or his or her designee has complied with all the terms of the policy, and we have agreed with the Insured about the repair or replacement. 2. Our Options At our option, we or the Authorized Service Center may repair the Covered Property with substitute parts or provide substitute equipment that: a. Is of like kind, quality and functionality; b. Is either new, refurbished or remanufactured, and may contain original or non-original manufacturer parts; and c. May be a different brand, model or color.

G. ADDITIONAL CONDITIONS 1. Arbitration Agreement Please read this Arbitration Agreement carefully. It affects your rights. Most of your concerns about

16 © 2011 Asurion Insurance Services, Inc. 17 ORIC-WCEC-102 (11/11) – sum 11/15 the policy can be addressed simply by contacting us at 877-868-8775. In the unlikely event we cannot resolve any disputes, including any claims under the policy, that you or we may have, YOU AND WE AGREE TO RESOLVE THOSE DISPUTES EITHER THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF THROUGH COURTS OF GENERAL JURISDICTION. YOU AND WE AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS ONLY. YOU AND WE AGREE TO WAIVE THE RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN CLASS ARBITRATIONS AND CLASS ACTIONS. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury. It has more limited discovery than in court and is subject to limited review by courts. Arbitrators can award the same damages and relief that a court can award. For the purpose of this Arbitration Agreement, references to “we,” “us” and “our” includes Old Republic Insurance Company, our Agent, the First Named Insured and their respective parents, subsidiaries, affiliates, agents, employees, successors and assigns. The policy evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. This Arbitration Agreement shall survive the termination of the policy. This Arbitration Agreement is intended to be interpreted broadly, and it includes any dispute: (1) arising out of or relating in any way to the policy or to the relationship between you and us, whether based in contract, tort, statute, fraud, misrepresentation or otherwise; (2) that arose either before this Arbitration Agreement or policy was entered into by you and us or that arises after this Arbitration Agreement or policy is terminated; and (3) that currently is the subject of a purported class action litigation in which you are not a member of a certified class. Notwithstanding the foregoing, this Arbitration Agreement does not preclude you from bringing an individual action in small claims court or from informing any federal, state or local agencies or entities of your dispute. Such agencies or entities may be able to seek relief on your behalf. If you or we intend to seek arbitration, you and we must first send to the other a written Notice of Claim (“Notice”) by certified mail. Your Notice to us should be addressed to: Legal Department, P.O. Box 110656, Nashville, TN 37222- 0656. The Notice must describe the dispute and state the specific relief sought. If you and we do not resolve the dispute within 30 days of receipt of the Notice, you or we may initiate an arbitration proceeding with the American Arbitration Association (“AAA”). You can obtain the forms necessary to initiate an arbitration proceeding by visiting www.adr.org or by calling 1-800-778-7879. After we

ORIC-WCEC-102 (11/11) – sum 11/15 18 © 2011 Asurion Insurance Services, Inc. 19 receive notice that you have commenced arbitration, we will reimburse you for payment of any filing fee to the AAA. If you are unable to pay a required filing fee, we will pay it if you send a written request by certified mail to: Legal Department, P.O. Box 110656, Nashville, TN 37222- 0656. The arbitration shall be administered by the AAA in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “Arbitration Rules”) in effect at the time the arbitration is initiated and as modified by this Arbitration Agreement. You can obtain a copy of the Arbitration Rules by visiting www.adr.org or by calling 1-800-778-7879. The arbitrator appointed by the AAA to decide the dispute is bound by the terms of this Arbitration Agreement. All issues are for the arbitrator to decide, including the scope of this Arbitration Agreement, with the exception that issues relating to the enforceability of this Arbitration Agreement may be decided by a court. Unless you and we agree otherwise, any arbitration hearings will take place in the county or parish of your billing address. If your dispute is for $10,000 or less, you may choose to conduct the arbitration hearings either by submitting documents to the

arbitrator or by appearing before the arbitrator in person Device Coverage or by telephone. If your dispute is for more than $10,000, the right to arbitration hearings will be determined by the Arbitration Rules. We will pay all filing, administration and arbitrator fees for any arbitration initiated pursuant to this Arbitration Agreement, unless your dispute is found by the arbitrator to have been frivolous or brought for an improper purpose under Federal Rule of Civil Procedure 11(b). In that case, the payment of such fees shall be governed by the Arbitration Rules. At the conclusion of the arbitration hearings, the arbitrator shall issue a written decision which includes an explanation of the facts and law upon which the decision is based. If the arbitrator finds in your favor and issues a damages award that is greater than the value of the last settlement offer made by us or if we made no settlement offer and the arbitrator awards you any damages, we will: (1) pay you the amount of the damages award or $7,500, whichever is greater; and (2) pay your attorney, if any, twice the amount of the attorney’s fees and the actual amount of any expenses reasonably incurred when pursuing your dispute in arbitration. You and we agree not to disclose any settlement offers to the arbitrator until after the arbitrator has issued the written decision. The arbitrator may resolve any disputes regarding attorney’s fees and expenses either during the arbitration hearings or, upon request, within 14 days of the arbitrator’s written decision. While the right to the attorney’s fees and expenses discussed above is in addition to any right you may have under applicable

18 © 2011 Asurion Insurance Services, Inc. 19 ORIC-WCEC-102 (11/11) – sum 11/15 law, neither you nor your attorney may recover duplicate awards of attorney’s fees and expenses. Although we may have the right under applicable law to recover attorney’s fees and expenses from you if we prevail in the arbitration, we hereby waive the right to do so. To the extent either declaratory or injunctive relief is sought in the arbitration, such relief can be awarded only to the extent necessary to provide the relief warranted by a party’s individual claim. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless you and we agree otherwise, the arbitrator may not consolidate the dispute of another person with your or our dispute and may not preside over any form of a representative or class proceeding. If this specific provision of this Arbitration Agreement is found to be unenforceable, then the entirety of this Arbitration Agreement shall be null and void. 2. Claim Authorization and Loss Payment We or Asurion has the right to settle the loss with the Insured or his or her designee. No claims will be accepted unless authorized by Asurion. All repairs and replacements must be made by the Authorized Service Center, unless we or our Agent gives the Insured other specific directions. In no event will Insureds be entitled to reimbursement for any out-of- pocket expenses. 3. Cancellation a. How An Additional Insured Cancels An Additional Insured may cancel the coverage provided by notifying the Agent or First Named Insured who will advise the Agent. b. How We Cancel We may cancel the policy or change the terms and conditions only upon providing the First Named Insured and Additional Insured with at least thirty (30) days notice or other longer period as required by law unless we cancel for the following reasons: (1) We may cancel an Additional Insured under the policy upon fifteen (15) days notice or other longer period as required by law for discovery of fraud or material misrepresentation in obtaining coverage or in the presentation of a claim thereunder. (2) We may cancel an Additional Insured under the policy immediately or other longer period as required by law for the following reasons: (a) for nonpayment of premium;

ORIC-WCEC-102 (11/11) – sum 11/15 20 © 2011 Asurion Insurance Services, Inc. 21 (b) if the Additional Insured ceases to have an active service with the First Named Insured; or, (c) if the Additional Insured exhausts the aggregate limit of liability, if any, under the terms of the policy and we send notice of cancellation to the Additional Insured within thirty (30) calendar days after exhaustion of the limit. However, if notice is not timely sent, enrollment shall continue notwithstanding the aggregate limit of liability until we send notice of cancellation to the Additional Insured. c. How First Named Insured Cancels If the policy is cancelled by the First Named Insured, the First Named Insured shall mail or deliver written notice to each Additional Insured advising the Additional Insured of the cancellation of the policy and the effective date of cancellation. The written notice shall be mailed or delivered to the Additional Insured at least thirty (30) days prior to the cancellation. d. How Notice of Cancellation is Provided Notices made pursuant to Section G.3.b. and c. Device Coverage shall be in writing and include the actual reason for cancellation and the effective date of cancellation. The coverage will end on that date. Notices may be mailed or delivered to the First Named Insured at its mailing address. Notices may be mailed or delivered to the affected Additional Insureds’ last known mailing or electronic addresses on file with us. We or the First Named Insured shall maintain proof of mailing in a form authorized or accepted by the United States Postal Service or other commercial mail delivery service. We or the First Named Insured may comply with Section G.3.b. and c. by providing such notice or correspondence to the First Named Insured or its Additional Insureds by electronic means. If accomplished through electronic means, we or the First Named Insured shall maintain proof that the notice or correspondence was sent. The First Named Insured agrees to pay or act as delivery agent for notice of cancellation to all Additional Insureds. e. Return Premiums, If Any If the policy is canceled, any refunds due will be on a pro rata basis. The cancellation will be effective even if the refund has not been made or offered. 4. Eligibility a. To be eligible for coverage you must be a valid, active and current subscriber of your Wireless Service Provider.

20 © 2011 Asurion Insurance Services, Inc. 21 ORIC-WCEC-102 (11/11) – sum 11/15 b. Eligibility for enrollment after initial activation may be subject to limitations. If you request enrollment of coverage and your request is approved by us, your coverage is retroactive to the date of your application. The successful completion of a test call to the Covered Property may be required prior to our approval. c. To be eligible for coverage you must not have engaged in fraud or abuse with respect to this or a similar communications equipment insurance program. d. To be eligible for coverage you must not be in breach of any material term of the policy, including but not limited to failure to return damaged Covered Property when requested in conjunction with a loss. 5. Changes The First Named Insured, on its own behalf and on behalf of the Additional Insureds, is authorized to make changes in the terms of the policy with our consent. The policy’s terms can be amended or waived only by endorsement issued by us and made a part of the policy. If notice of such changes is mailed, proof of mailing will be sufficient proof of notice. 6. Concealment, Misrepresentation or Fraud The policy is voidable in any case of fraud, intentional concealment or misrepresentation of a material fact, by either the First Named Insured or any Additional Insured or their designee at any time, concerning: a. The policy; b. The Covered Property; c. The Insured’s interest in the Covered Property; or d. A claim under the policy; but only with respect to their coverage. 7. Conformity To Statute We agree that any terms of the policy not in conformity with the statutes of the state in which the policy is issued are amended to conform to those applicable state statutes. 8. Benefit Only Available To Insureds No person or organization, other than an Insured, will benefit from this insurance. We may provide you access to other limited benefits or services related to your Covered Property where available. These may include: property location or recovery services; data management or recovery services; equipment service and maintenance; reduced cost upgrade or purchase benefits or other services provided through your Wireless Service Provider or other authorized service facilities. 9. Legal Action Against Us No one may bring a legal action against us under the policy unless: a. There has been full compliance with all the terms of the policy;

ORIC-WCEC-102 (11/11) – sum 11/15 22 © 2011 Asurion Insurance Services, Inc. 23 b. The action is brought within 2 years after the Insured has knowledge of the loss or damage; c. The action is brought in compliance with Section G.1. 10. Liberalization If we adopt any revision in the policy which would broaden the Coverage under the policy without additional premium within 60 days prior to or during the policy period, the broadened coverage will immediately apply to the policy. 11. Premiums a. The First Named Insured is responsible for the payment of all premiums. b. Within fifteen days after the end of each month, the First Named Insured: (1) Will report to the Agent the total number of Covered Property units that were covered under the policy as of the last day of that month; and (2) Will remit the monthly premium to us through the Agent based on that report. The monthly premium will be calculated by multiplying the Monthly Premium Rate per unit of Covered Property by the total number of such units.

c. The First Named Insured may request that Additional Device Coverage Insureds be billed for the Monthly Premium Rate applicable to their Covered Property. If the First Named Insured provides monthly billing and collection services for the Agent, all funds collected by the First Named Insured are our property. We may examine and audit the First Named Insured’s books and records relating to such premium payments and reporting at any time during the policy period and up to three years afterward. 12. Transfer of Rights and Duties Under The Policy (Assignment) No rights and duties under the policy may be transferred without our written consent. 13. Transfer of Rights of Recovery Against Others To Us (Subrogation) If after we have made good the covered loss or damage, any Insured has rights to recover damages from another, and those rights are transferred to us to the extent of our cost of repair or replacement. The Insured must do everything necessary to secure our rights and must do nothing after loss or damage to impair them. The foregoing is a generalized description of the policy. It is not a full and complete version of the policy. Some provisions may differ by state based upon applicable law. For more information or a copy of the policy, you may call Asurion at 1-888-723-3360 or send a self- addressed envelope to:

22 © 2011 Asurion Insurance Services, Inc. 23 ORIC-WCEC-102 (11/11) – sum 11/15 Asurion Insurance Services, Inc. ATTN: Policy Copy, P.O. Box 110656, Nashville, TN 37222-0656. Please include your account number so that the proper policy can be delivered to you.

POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE You are hereby notified that under the Terrorism Risk Insurance Act as amended, you have a right to purchase insurance coverage for losses resulting from acts of terrorism, as defined in Section 102(1) of the Act: The term “act of terrorism” means any act that is certified by the Secretary of the Treasury – in consultation with the Secretary of Homeland Security, and the Attorney General of the United States – to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM, SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA, THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 85% through 2015; 84% beginning on January 1, 2016; 83% beginning on January 1, 2017; 82% beginning on January 1, 2018; 81% beginning on January 1, 2019 and 80% beginning on January 1, 2020 OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A $100 BILLON CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS’ LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED $100 BILLION, YOUR COVERAGE MAY BE REDUCED. You will not be required to pay a premium for terrorism coverage at this time. If a premium is going to be charged for terrorism coverage, we will provide you with advance notification of what that premium will be. Your premium does not include any charges for the portion of losses covered by the United States government under the Act.

24 Device Enhanced Warranty

Device Enhanced Warranty is a service contract program for your wireless device that provides protection for mechanical or electrical failure due to defects in materials or workmanship or normal wear and tear. For complete terms and conditions, see the enclosed service contract on page 28.

Covered Equipment Includes Eligible nTelos wireless devices, data cards, or Wi-Fi routers. You are also covered for the following accessories if the accessory was part of the loss to the covered device: one standard battery, one standard charger, one standard wired earbud (not wireless or other specialty earpieces such as Bluetooth) and SIM card (if applicable).

Coverage is subject to certain limitations and exclusions, such as loss caused by intentional acts or cosmetic damage. See the terms and conditions for complete exclusions and limitations.

To Enroll Ask an nTelos wireless sales rep, go to www.nteloswireless.com, or call 877-468-3567 to enroll.

26 27 Device Enhanced Warranty Details Complete terms and conditions begin on page 28.

$2.99 or $3.99 per month, Monthly Charge* per device (depending on model)***

$50, $100, $170, or $200 non-refundable claim service Claim Service Fee** fee per approved claim depending on model***

A maximum replacement value Limits of $1,500 per occurrence

Mechanical or Electrical Failure due to defects in Covered Incidents Material and Workmanship or Normal Wear and Tear

You may cancel your optional coverage at any time and Cancellation Policy receive a prorated refund of your unearned charges

* $1.60 or $2.60 per month, per device (depending on model), when you enroll in Device Protection Service. Device Enhanced Warranty ** There is no claims service fee for approved mechanical or electrical claims during the manufacturer’s warranty period. *** See the schedule on page 6. For a complete and current list of devices with associated premium and deductible/claim service fee amounts, please visit www.phoneclaim.com/ntelos or call Asurion at 877-868-8775.

THE ENCLOSED SERVICE CONTRACT CONTAINS A BINDING ARBITRATION PROVISION THAT REQUIRES THE SUBMISSION OF ALL DISPUTES (EXCEPT WHERE EXPRESS EXEMPTIONS ARE PROVIDED) TO FINAL AND BINDING ARBITRATION IN ACCORDANCE WITH THE PROVISION SET FORTH IN THE DISPUTE RESOLUTION SECTION.

26 27 Device Enhanced Warranty Program Provider*: Asurion Technology Services, Inc. You can write to Us at: Asurion Customer Care Post Office Box 061078 Chicago, Illinois 60606-1078 *As used in this Contract, ”We,” “Us,” and “Our” means Asurion Technology Services, Inc., the provider obligated under this Contract. “You” and “Your” means the Person who purchased this Contract. Terms & Conditions Device Enhanced Warranty. These Contract terms and conditions together with Your monthly bill from nTelos (the “Contract”) govern the Program, so You should keep this Contract for future reference. Your nTelos wireless telephone number for the Covered Equipment is Your Contract number. If purchased by phone, internet or other electronic means, this Contract is purchased in the state identified by Your nTelos home calling area at the time of purchase. Agreement. You agree to all the provisions of this Contract when You order the Program and/or pay for it. We may change the monthly charge for the Program, the administration of the Program, or these terms and conditions from time to time upon at least 30 days written notice to You. Such notice may be provided in a Bill insert, as a message printed on Your Bill, in a separate mailing, or by any other reasonable method, at Our discretion. If You specifically authorize Us to communicate with You by electronic communications (such as e-mail), We may, at Our discretion, deliver any notice provided for in this Contract to You by electronic communications. Your continued use of the Program and payment of the charges, after such notice, constitutes Your acceptance of the changes. The Program is available only to customers of nTelos. Your participation in the Program is optional, and You may cancel the Program at any time. Please refer to the section in this Contract regarding cancellation. Definitions. 1> “nTelos” means nTelos Communications Inc. and any successors. You can write to nTelos at 1154 Shenandoah Village Drive, Waynesboro, Virginia 22980 or call 877-468-3567. 2> “Asurion” means Asurion Technology Services, Inc. You can reach Asurion Technology Services, Inc. (Asurion) by mail at Post Office Box 061078, Chicago, Illinois 60606-1078 or call 877- 868-8775. 3> “Covered Equipment” means one Designated Wireless Device. 4> “Designated Wireless Device” means the Eligible Wireless Product which is activated for wireless Form 2500 v._1__(Rev. 11/14) 28 29 telecommunications service for the enrolled wireless number on Your account with nTelos on the date the Operational Failure of the Eligible Wireless Product occurs and for which air time has been logged by nTelos as identified by Electronic Serial Number (ESN) or Mobile Equipment Identification Number (MEID).5> “Eligible Wireless Product” means a wireless product that We have designated as eligible for coverage under the Program. 6> “Operational Failure” means failure of the Designated Wireless Device to operate due to operational, mechanical, or structural failure from defects in materials or workmanship or normal wear and tear. 7> “Replacement Equipment” means the wireless device of comparable kind and quality to the Designated Wireless Device which We provide to You in the event of a covered Operational Failure of the Designated Wireless Device. 8> “Date Issued” means the effective date of coverage which is the date charges for the Program first apply.9> The “Program” means the Device Enhanced Warranty described in this service Contract. What is Covered. If the Designated Wireless Device fails due to an Operational Failure, We will replace it with a device of comparable kind and quality. We will replace the standard battery, standard charger and/or standard wired earbud (not wireless or other specialty earpieces such as Bluetooth) if the failure to these items occurs in conjunction with the Operational Failure of the Designated Wireless Device or if the Replacement Equipment is a different model. THERE IS NO ASSURANCE, REPRESENTATION, OR GUARANTEE THAT ANY REPLACEMENT EQUIPMENT WILL BE IDENTICAL OR OFFER THE SAME FUNCTIONALITIES AS THE ITEM BEING REPLACED. Replacement Equipment will be new, refurbished or remanufactured, in Our sole discretion. For Operational Failures during the term of the manufacturer’s warranty period, new, remanufactured or refurbished replacements will be provided by nTelos. Replacement Equipment immediately becomes the Designated Wireless Device. You hereby assign to Us all rights and benefits of any manufacturer’s warranty or other ancillary coverage relating to any Covered Equipment that We replace. Contract Period. Your coverage begins on the Date Issued and continues from Device Enhanced Warranty month to month until terminated by You or by Us. We may elect not to renew the Program upon 30 days written notice to You. Charges. You will be charged once each month for the cost of this Contract. Applicable non-return charges, claim service fees, non-covered claim charges, shipping and restocking charges, taxes, and regulatory surcharges and assessments, if any, may be added to Your bill or, at Our discretion, collected from You prior to providing Replacement Equipment. If We do not receive full payment on the date due, a late payment fee of 1.5% per month or the highest

28 29 Form 2500 v._1__(Rev. 11/14) amount allowed by law, whichever is less, may be charged. A charge may also be assessed for returned checks. What is not Covered. The Program does not cover: 1> Incidental or consequential damages; 2> failures caused by acts of God, fire, flood, explosion, war, terrorism, strike, embargo, acts of the government, military authority, or the elements; 3> loss, theft, abuse, misuse, improper installation, water damage, or customer negligence; 4> pre-existing Operational Failures of the Covered Equipment occurring before the time it was established as the Covered Equipment; 5> cracked displays; and 6> changes or enhancements in color, texture, finish, expansion, contraction, or any cosmetic damage to Covered Equipment however caused, including, but not limited to, scratches and marring, that do not affect the mechanical or electrical function of the Designated Wireless Device. Further, Covered Equipment does not include and the Program does not cover: 1> Contraband or property in the course of illegal transportation or trade; 2> Property in transit to You from anyone other than Us; 3> Consumable items, such as batteries (one standard battery will be provided with Replacement Equipment on approved claims for replacement of the Designated Wireless Device if the battery has also failed); 4> Battery chargers (one standard charger will be provided with Replacement Equipment on approved claims for replacement of the Designated Wireless Device if the charger has also failed); or 5> Any accessories, (except as otherwise provided with respect to batteries, battery chargers, SIM cards, and standard wired earbuds), including external storage devices, color face plates, personalized data, or customized software, such as personal information managers (PIMs), ring tones, games, or screen savers. To Obtain Service. In the event of an Operational Failure of a Designated Wireless Device: (i) During the term of the manufacturer’s warranty period, call nTelos at 877-468-3567 or visit a nTelos retail location; (ii) After expiration of the manufacturer’s warranty period, call Asurion at 877-868-8775 or visit www.phoneclaim.com/ntelos. You must file the claim within 60 days of the Operational Failure. We may require You to provide a government issued photo i.d. Claim Service Fee. For Operational Failures that occur outside the manufacturer’s warranty period for Covered Equipment replaced pursuant to this Program, there is a $50 non-refundable claim service fee for the Covered Equipment listed in Schedule A, a $100 non-refundable claim service fee for the Covered Equipment listed in Schedule B and Schedule C, a $170 non-refundable claim service fee

Form 2500 v._1__(Rev. 11/14) 30 31 for the Covered Equipment listed in Schedule D or a $200 non- refundable claim service fee for the Covered Equipment listed in Schedule E, each of which are attached hereto. You agree to pay the claim service fee to Us prior to the replacement of the Covered Equipment. If Your Operational Failure occurs within the manufacturer’s warranty period, no claim service fee will apply. Claim Limit. We will cover the cost to replace the Covered Equipment up to a maximum of $1,500 per claim. Return of Replaced Equipment/Non-return Charge. Covered Equipment approved for replacement must be returned at Our expense in the return mailer provided within fifteen (15) days. If Your claim for an Operational Failure during the term of the manufacturer’s warranty period is fulfilled at an nTelos retail location, however, Your Covered Equipment will be collected from you at that time. You must return the Covered Equipment as directed by Us, or we may charge You a non-returned equipment fee applicable to the model of Covered Equipment that We replace. YOU CAN AVOID THIS CHARGE BY SIMPLY RETURNING THE COVERED EQUIPMENT AS DIRECTED. Charge for Non-Covered Claims. If We ship You Replacement Equipment, We will notify You in writing within thirty (30) days of the return of replaced Covered Equipment if We determine the returned Designated Wireless Device did not suffer an Operational Failure covered by the Program. The non-covered claim charge applicable to the model of Replacement Equipment We provided will be applied unless You return the Replacement Equipment, in good working order, at Your cost of shipping within fifteen (15) days of Our notification. If You return the Replacement Equipment as required by this Contract, We will return to You Your original Covered Equipment and You will be charged a $15 shipping and restocking fee. Cancellation. This Contract may be cancelled by You or by Us for any reason at any time. You may cancel this Contract by providing notice to Asurion Customer Care at Post Office Box 061078, Chicago,

Illinois 60606-1078 or by calling 877-468-3567. If You cancel Device Enhanced Warranty this Contract within 30 days from Your receipt of this Contract (the First 30 days), You will then receive a refund or credit for the full Contract price paid unless You had a covered claim during the First 30 days. Your refund will be 100% of the pro-rata amount of the unearned portion of the Contract price paid, if any, based upon elapsed time if: (i) You cancel at any time after having a covered claim; (ii) You cancel after the First 30 days; or (iii) We cancel this Contract. For residents of Maryland, any refund owed and not paid or credited within 30 days of cancellation shall include a 10%

30 31 Form 2500 v._1__(Rev. 11/14) penalty per month. If You fail to make any monthly payment for this Contract or any charge provided for in this Contract, coverage will cease on the date the payment was due. In the event We cancel this Contract, We shall provide You with a written notice at least thirty (30) days prior to the effective date of cancellation, which notice shall state the effective date and grounds for cancellation. Any termination, cancellation, suspension, interruption, or discontinuation of Your wireless product service with nTelos, or any nTelos feature (including Device Coverage) that You purchase in combination with this Program, for any reason constitutes cancellation of the Program by You, subject to the terms and conditions of this Contract. Limitation of Liability. In the event of any error, omission or failure by Asurion or nTelos with respect to the Program or the services provided by Asurion or nTelos hereunder, Asurion and nTelos RESPONSIBILITY AND LIABILITY SHALL BE LIMITED TO THE CHARGES ACTUALLY PAID BY YOU FOR THE PROGRAM (BUT NO MORE THAN THE LAST 24 MONTHLY CHARGES YOU PAID FOR THE PROGRAM). THIS IS YOUR SOLE REMEDY FOR ANY ERRORS, OMISSIONS OR FAILURE OF Asurion OR nTelos PERFORMANCE. FURTHER, UNDER NO CIRCUMSTANCES SHALL Asurion OR nTelos BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES (EVEN IF Asurion OR nTelos HAVE BEEN ADVISED OF OR HAVE FORESEEN THE POSSIBILITY OF SUCH DAMAGES), ARISING FROM THE PROGRAM OR Asurion OR nTelos PERFORMANCE UNDER THE PROGRAM, 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 REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE PROGRAM AND SERVICES TO BE PROVIDED HEREUNDER BY Asurion AND nTelos, 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. Arbitration Agreement. Please read this Arbitration Agreement carefully. It affects Your rights. Most of Your concerns about this Program can be addressed simply by contacting Us at 877-868-8775. In the unlikely event We cannot resolve any disputes, including any claims under the Program, that You or We may have, YOU AND WE AGREE TO RESOLVE THOSE DISPUTES THROUGH EITHER BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF THROUGH COURTS OF GENERAL JURISDICTION. YOU AND WE AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS ONLY. YOU AND WE AGREE TO WAIVE

Form 2500 v._1__(Rev. 11/14) 32 33 THE RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN CLASS ARBITRATIONS AND CLASS ACTIONS. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury. It has more limited discovery than in court and is subject to limited review by courts. Arbitrators can award the same damages and relief that a court can award. For the purpose of this Arbitration Agreement, references to “We,” “Us” and “Our” include Asurion and nTelos and their respective parents, subsidiaries, affiliates, service contract insurers, agents, employees, successors and assigns. This Contract evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. This Arbitration Agreement shall survive the termination of this Contract. This Arbitration Agreement is intended to be interpreted broadly, and it includes any dispute: (1) arising out of or relating in any way to this Program or to the relationship between You and Us, whether based in contract, tort, statute, fraud, misrepresentation or otherwise; (2) that arose either before this Arbitration Agreement or Contract was entered into by You and Us or that arises after this Arbitration Agreement or Contract is terminated; and (3) that currently is the subject of a purported class action litigation in which You are not a member of a certified class. Notwithstanding the foregoing, this Arbitration Agreement does not preclude You from bringing an individual action in small claims court or from informing any federal, state or local agencies or entities of Your dispute. Such agencies or entities may be able to seek relief on Your behalf. If You or We intend to seek arbitration, You and We must first send to the other a written Notice of Claim (“Notice”) by certified mail. Your Notice to Us should be addressed to: Legal Department, P.O. Box 110656, Nashville, TN 37222-0656. The Notice must describe the dispute and state the specific relief sought. If You and We do not resolve the dispute within 30 days of receipt of the Notice, You or We may initiate an arbitration proceeding with the American Arbitration Association (“AAA”). You can obtain the forms necessary to initiate an arbitration proceeding by visiting www. adr.org or by calling 1-800-778-7879. After We receive notice that You have commenced arbitration, We will reimburse You for Device Enhanced Warranty payment of any filing fee to the AAA. If You are unable to pay a required filing fee, We will pay it if You send a written request by certified mail to: Legal Department, P.O. Box 110656, Nashville, TN 37222-0656. The arbitration shall be administered by the AAA in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “Arbitration Rules”) in effect at the time the arbitration is initiated and as modified by this Arbitration Agreement. You can obtain a copy of the Arbitration Rules by visiting www.adr.org or by calling 1-800-778-7879.

32 33 Form 2500 v._1__(Rev. 11/14) The arbitrator appointed by the AAA to decide the dispute is bound by the terms of this Arbitration Agreement. All issues are for the arbitrator to decide, including the scope of this Arbitration Agreement, with the exception that issues relating to the enforceability of this Arbitration Agreement may be decided by a court. Unless You and We agree otherwise, any arbitration hearings will take place in the county or parish of Your billing address. If Your dispute is for $10,000 or less, You may choose to conduct the arbitration hearings either by submitting documents to the arbitrator or by appearing before the arbitrator in person or by telephone. If Your dispute is for more than $10,000, the right to arbitration hearings will be determined by the Arbitration Rules. We will pay all filing, administration and arbitrator fees for any arbitration initiated pursuant to this Arbitration Agreement, unless Your dispute is found by the arbitrator to have been frivolous or brought for an improper purpose under Federal Rule of Civil Procedure 11(b). In that case, the payment of such fees shall be governed by the Arbitration Rules. At the conclusion of the arbitration hearings, the arbitrator shall issue a written decision which includes an explanation of the facts and law upon which the decision is based. If the arbitrator finds in Your favor and issues a damages award that is greater than the value of the last settlement offer made by Us or if We made no settlement offer and the arbitrator awards You any damages, We will: (1) pay You the amount of the damages award or $7,500, whichever is greater; and (2) pay Your attorney, if any, twice the amount of the attorney’s fees and the actual amount of any expenses reasonably incurred when pursuing Your dispute in arbitration. You and We agree not to disclose any settlement offers to the arbitrator until after the arbitrator has issued the written decision. The arbitrator may resolve any disputes regarding attorney’s fees and expenses either during the arbitration hearings or, upon request, within 14 days of the arbitrator’s written decision. While the right to the attorney’s fees and expenses discussed above is in addition to any right You may have under applicable law, neither You nor Your attorney may recover duplicate awards of attorney’s fees and expenses. Although We may have the right under applicable law to recover attorney’s fees and expenses from You if We prevail in the arbitration, We hereby waive the right to do so. To the extent either declaratory or injunctive relief is sought in the arbitration, such relief can be awarded only to the extent necessary to provide the relief warranted by a party’s individual claim. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless You and We agree otherwise, the arbitrator may not consolidate the dispute

Form 2500 v._1__(Rev. 11/14) 34 35 of another person with Your or Our dispute and may not preside over any form of a representative or class proceeding. If this specific provision of this Arbitration Agreement is found to be unenforceable, then the entirety of this Arbitration Agreement shall be null and void. Force Majeure. We have no responsibility for delays or failures due to acts of God, fire, flood, explosion, war, strike, embargo, acts of the government, military authority, or the elements, or other causes beyond Our control, and in such event, We may cancel this Contract and the Program immediately. Prohibitions on Transfer and Abuse of the Program. This Program is for Your use only. It is not transferable by You to any other person, and may not be assigned by You. Wireless devices owned or leased by anyone other than You may not be made a Designated Wireless Device. Any abuse of the Program by You, including but not limited to seeking replacement of a wireless device not belonging to You, may result in termination of the Program upon notice. Insurance. This Contract is not an insurance policy; however, Our obligations under this Contract are insured under an insurance policy issued by Old Republic General Insurance Corporation, 445 South Moorland Road, Suite 300, Brookfield, WI 53005. If We fail to act on Your claim within 60 days, You may contact Old Republic General Insurance Corporation directly at 262-797-3400. Terms and conditions vary for nTelos customers purchasing in some jurisdictions as set forth in this Contract. This Program may not be available in all states. State specific provisions. In North Carolina: You understand that the purchase of this Contract is not required to purchase or to obtain financing for the Covered Equipment. We may non-renew, but may not cancel this Contract prior to the expiration of the monthly term except for non-payment by You or for violation of any of the terms and conditions of this Contract. Device Enhanced Warranty

34 35 Form 2500 v._1__(Rev. 11/14) ASNTEL-0521-15 Devprotection – 1015