Here are important terms and conditions for the Payment Protection Plan.

The Payment Protection Plan is an optional insurance program that protects your Nebraska Furniture Mart purchases and your account balance in the event of involuntary unemployment, unpaid family leave of absence, disability or death. As the Primary Insured Cardholder, you receive:

• Property Coverage — can pay to repair or replace insured property if it is stolen, or accidentally damaged or destroyed due to covered perils listed below. Coverage continues for 36 months after the purchase of the insured property while this coverage is in effect.
• Involuntary Unemployment Coverage — can pay a monthly benefit payment to your account if you become involuntarily unemployed due to loss of job, strike or layoff for more than 30 consecutive days.
• Disability Coverage — can pay a monthly benefit payment to your account if you become totally disabled and unable to work for more than 30 consecutive days.
• Family Leave Coverage — can pay a monthly benefit payment to your account if you or your Co-Cardholder takes an unpaid leave of absence from work due to a special circumstance for more than 30 consecutive days.
• Life Coverage — can pay your unpaid account balance, up to $10,000, if you or your Insured Co-Cardholder should die.

Benefits, except for Property Insurance, are based on your account balance at the time of loss and do not include any amounts added to your account (including insurance charges) after your loss. The monthly benefit payment will be calculated by multiplying your account balance on the date of loss by no less than the minimum payment percent required by the creditor. The monthly benefit payment may not be enough to pay the required monthly payment on your account. Life, Disability, Involuntary Unemployment and Property benefits are payable up to a maximum of $10,000 or the account balance, whichever is less. The cost is 89¢ per $100 of your ending monthly balance (in Arkansas, if you want Life coverage only for you, the Primary Insured, your adjusted cost is 84¢ per $100) and is conveniently added to your billing statement each month that you carry a balance. Coverage is voluntary and you are free to cancel at any time.

To be eligible for Involuntary Unemployment, Disability and Family Leave benefits, you must be gainfully employed on a full time basis for at least 30 hours a week at the time of loss. To qualify for Involuntary Unemployment benefits, you must register with a recognized employment agency or your state unemployment office within 30 days after the date you become unemployed.

Family Leave Insurance covers unpaid absences from full-time employment while you or your Co-Cardholder are caring for an immediate family member with a serious medical condition, caring for a newborn or adopted child (only 3 monthly benefits are paid for the care of a newborn or adopted child), on active military duty due to mandatory recall, on jury duty, or residing in a federally declared disaster area.

Family Leave Insurance does not cover losses caused by a pre-existing medical condition. A "pre-existing medical condition" is one for which your family member saw or was treated by a licensed health care provider both within the 6 months before and the 6 months after the Effective Date of Coverage. Family Leave benefits are limited to 6 monthly payments.

The covered perils for Property Insurance are: Aircraft, Burglary (of which there must be visible evidence of forcible entry) from within a building, room or locked motor vehicle, Civil Commotion, Collision, Earthslide, Explosion, Fire, Riot, Lightning, Hurricane, Hail, Marine Perils, Malicious Mischief, Smoke, Tornado, Typhoon, Vandalism, Vehicles and Windstorm. Coverage does not include accidental dropping, breaking or breakdown of property due to normal wear and tear.

All coverage terminates at age 71. This program is available only to residents of NE.

For more information about the Payment Protection Plan, call Central States Indemnity toll free at 1-800-834-9118, Monday through Friday, 8 a.m. to 7 p.m. CST.

This plan is offered, administered and underwritten by Central States Indemnity Co. of Omaha (CSI) and also underwritten by Central States Health & Life Co. of Omaha. Both companies are of Omaha, NE.

Disclosure Statement:
You are not required to obtain the optional Payment Protection Plan in order to open a Nebraska Furniture Mart, Inc. revolving charge account or to make charges against the account. Accepting or declining insurance will not affect your credit limit. No insurance will be provided to you unless you sign and agree to pay the additional cost.

Policy Forms 10085 Rev / 11006 Rev / 11495 / 11287