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NEW! LUMIX® DMC-ZS20 14.1 Megapixel Digital Camera

Model number: DMC-ZS20R

  • 24mm Ultra Wide Angle LEICA DC Lens with Powerful 20x Optical Zoom
  • Full HD Video Recording with Stereo Microphone
  • 0.1sec Light Speed AF

   
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This Accessory works with:

Lens Performance


Powerful 20x Optical Zoom

The DMC-ZS20's powerful 20x optical zoom (35mm camera equivalent: 24-480mm) draws your subjects right up close, and lets you freely capture decisive sports scenes, along with the natural expressions of people and animals, and details that you can't even see with your bare eyes

In addition, this single camera lets you record 20x zoom in video recording. It makes the DMC-ZS20 twice as attractive.

40x Intelligent Zoom

The Intelligent Zoom is an extensive zoom function using digital zoom, however, you can even draw the subject 2x closer than the original optical zoom thanks to the Intelligent Resolution technology. This means the 20x optical can virtually extend to 40x equivalent.

24mm Ultra Wide-angle Lens

The 24mm ultra wide-angle lens* — rare on a compact camera — gives you a wider range of composition possibilities with approx. 213% larger viewing space compared to that of 35mm camera. The super-high-quality LEICA DC lens minimizes distortion at the wide end.

*Converted to standard 35mm camera equivalent, at the wide-end.

LEICA DC VARIO-ELMAR Lens

Newly developed LEICA DC lens system that achieves both high image quality and small size is redesigned to further extend its powerful zoom to 20x (35mm camera equivalent: 24-480mm). Comprising 12 elements in 10 groups including 3 aspherical lenses with 6 aspherical surfaces and 2 ED lenses, adoption of ultra thin lens for its new structure optical system makes the unit's overall length short to fit in the slim body despite its versatile zoom range from 24mm ultra wide-angle to 20x telephoto.

Great lenses make great cameras

LEICA DC lens

Nano Surface Coating

The Panasonic's black box technology Nano Surface Coating boasts extremely low reflectance ratio and it is applied to DMC-ZS20 for exceptional optical performance with stunning clarity by minimizing flaring and ghosts.

POWER O.I.S.

The POWER O.I.S. (Optical Image Stabilizer) suppresses the low-frequency vibration hand-shake component, which is physically generated when pressing the shutter button or when shooting at night with a slow shutter speed. The POWER O.I.S. also works for powerful zoom shots, which are especially susceptible to hand-shake in a compact camera. Active mode is effective for video recording.

The POWER O.I.S. is also effective for scenes like these.

Zoom Shots

Night Portraits

Macro Shots

In Dimly Lit Rooms

Optical Image Stabilizer

Image Quality


14.1-megapixel MOS Sensor

The 14.1-megapixel High Sensitivity MOS sensor is newly developed for the DMC-ZS20 for even higher image quality. This boasts better S/N ratio compared with the 14.1-megapixel MOS sensor in the DMC-ZS20. Together with the performance of the Venus Engine, quality of image shot in low-lit situations is dramatically improved reducing the noise to its half level*.

* At ISO1600, Panasonic measurement.

Venus Engine

The DMC-ZS20's Venus Engine processes large amount of progressive full HD data at high speed. At the same time, the multi-task image-processing engine, the Venus Engine realizes a super-fast response time.

Intelligent Noise Reduction System

The excellent S/N ratio of the MOS sensor and the Intelligent Noise Reduction system in the Venus Engine make both photos and videos shot at any sensitivity from low to high and boast outstanding clearness.

Multi-process Noise Reduction System

Newly developed Multi-process Noise Reduction applies optimum noise reduction according to the brightness of the part of the image. Images recorded in low-lit situations are now dramatically clear.

Intelligent HDR

The DMC-ZS20 integrates Intelligent HDR (High Dynamic Range) in the iA Mode. Several still pictures consecutively shot at different exposure levels are overlaid to produce a single composite picture without whiteout (over-exposure) or blackout (under-exposure).
The HDR Mode is also available in the Scene Mode.

This function is also available

Intelligent Resolution Technology: Apart from the uniform enhancement of sharpness, the innovative technology Intelligent Resolution precisely performs signal processing pixel by pixel in the most effective way according to the area. As a result, images are naturally clear and crisp.

Video


1920 x 1080 60p (NTSC) Full HD Video in AVCHD Progressive Format

The DMC-ZS20 can record high-resolution full HD 1,920 x 1,080 60p (NTSC) videos in AVCHD Progressive (MPEG-4 / H.264) format. Upgrading the full HD recording capability from interlaced to progressive, subjects with fast motion or fine details are reproduced even more clearly.

A special, dedicated button lets you instantly start recording videos while shooting photos without having to make any extra settings.

Learn more about AVCHD

MP4 Format Recording

The DMC-ZS20 can also record full HD 1,920 x 1,080 30p (NTSC) videos in MP4 format. This format is suitable for editing videos on a computer or uploading those to websites.

60 (NTSC) Progressive Recording

1080/60p (progressive) conveys about twice the information of 1080i (interlace) recording. Whereas interlacing requires two images to produce a complete picture, the progressive method records a single image as a complete picture. It creates intricate detail and silky smooth motion. Even when subjects move quickly, afterimages are minimized to create more natural images.

Interlaced Scanning

Only half of the image data is reproduced in each picture.

Progressive Scanning

Reproduces all of image data in a single picture.

* These are standard times taken at a temperature of 23°C (73.4°F) and a humidity of 50%RH. The time available for recording varies depending on the environment, the interval between recordings, and the manner of use. Actual recordable time is the time available for recording when repeating actions such as switching the power supply [ON]/[OFF], starting/stopping recording, zoom operation, etc.
• [For NTSC Areas] Maximum time to record motion pictures continuously with [AVCHD] is 29 minutes 59 seconds. (Excluding when [GS] or [SH] is set) Motion pictures in [MP4] can be recorded continuously for up to 29 minutes 59 seconds. Also, motion picture recorded continuously in [MP4] is up to 4 GB. Also, motion picture recorded continuously in [MP4] is up to 4 GB. • The length of recording time depends on the capacity of the SD/SDHC/SDXC Memory Card. •Use a card with SD Speed Class* with "Class 4" or higher when recording videos. * SD Speed Class is the speed standard regarding continuous writing.

The POWER O.I.S. with Active Mode

The Active Mode effectively suppresses blur in video recording especially at wide angle while walking or playing with your children. In addition, it's an optical system so there's no image degradation. It's especially good for active video shooting.

High Quality Sound

Incorporating a stereo zoom microphone, the videos also come with the high-quality stereo sound of Dolby® Digital Stereo Creator, to offer highly realistic sound to the video. Mechanical noise caused by a zooming operation is suppressed to improve the clearness.

• Dolby and the double-D symbol are trademarks of Dolby Laboratories.

20x Optical Zoom in Video Recording

The powerful 20x optical zoom with 2-step zoom function is available in video recording.

* The video is optimized for web view by file conversion

Auto Wind Cut Function

The Auto Wind Cut function is also available to block out most of the noise from background wind automatically making the human voice to stand out.

Creative Control

The Creative Control renders highly unique expressions by matching the colors to your subject and surroundings. In Miniature Effect Mode, the video recorded is played back in 10x fast-forwarding making it more comical to watch*.

Creative Control

* Sound will not be recorded with Miniature Effect in Creative Control Mode and approximately 1/10 of the time period is recorded. (If you record for 10 minutes, the resulting motion picture recording will be approximately 1 minute long.)

Miniature Effect

* The video is optimized for web view by file conversion.

High-speed Video

High-speed videos at 220 fps in QVGA size (320 x 240 pixels) let you capture scenes that you can't see with the naked eye, and play them back in dramatic slow motion.

These functions are also available.

iA (Intelligent Auto) Mode / Scene Mode: The camera makes the optimal settings automatically.

Still Image Recording: It is possible to take still image while recording video simultaneously*.
* The picture size is fixed to 3.5-megapixel (16:9).

Cut Animation: You can cut out a clear still image from a video in the camera thanks to the Intelligent Resolution technology.

Video Divide: You can divide a single video into two parts using only the camera.

Shooting Functions


Creative Control / Creative Retouch

You can add different effects by applying one of the filters both in the recording mode (Creative Control) and the playback mode (Creative Retouch).

Panorama Shot

Enlarge

Enlarge Image

The Panorama Shot Mode makes it is possible to shoot a 360-degree horizontal / vertical panoramic image with consequent shots taken by overlaying the previous picture.

Scene Mode

Auto Retouch

The Auto Retouch function adjusts contrast and brightness to give different impression to the photo with just a press of a button. Appropriate retouch is automatically applied depending on the image — if the image was shot too dark, it can be clear and bright to look it nicer with this function.

Intelligent Handheld Night Shot

The Intelligent Handheld Night Shot in the iA Mode generates a beautiful night scenery with illumination by multi-layering the images shot consecutively. Bright, glamorous night scenery can be recorded without using a tripod. The Handheld Night Shot Mode is also available in the Scene Mode.

3D Photo Mode

The 3D Photo Mode* produces a 3D image in the camera. The image-processing method used by LUMIX records beautiful images with less distortion or visible image links.

* The picture size is fixed to 2-megapixel (16:9).

These functions are also available.

4 Aspect Ratios: In addition to 4:3, 3:2, and 16:9, you can shoot with a 1:1 aspect ratio. This unique square frame adds to your image expression possibilities.

Response


0.1 sec Light Speed AF

The DMC-ZS20 boasts the approx. 0.1 second of Light Speed AF that helps to catch even the most fleeting photo opportunities. You can quickly focus on moving subjects, such as when you're shooting sports scenes or animals.

10 fps with 14.1-megapixel Full Resolution

The newly developed MOS sensor lets the DMC-ZS20 shoot 10 fps in 14-megapixel full resolution with mechanical shutter. You can take a series of shots, then choose the ones you like the best and delete the rest.

5 fps / 2 fps with AF Tracking

You can snap off consecutive shots at approx. 5 fps or 2 fps with AF Tracking.

60 fps in 3.5-megapixel Resolution

Even higher-speed burst shooting is possible when the electronic shutter is used.

Intelligent Burst Mode

The Intelligent Burst Shooting automatically sets the frame rate of burst shooting according to the subject's movement.

*1 The number of recordable images depends on the memory card size and battery life.
*2 The focus, exposure and white balance are fixed with the first picture for the burst.
*3 The range that can be recorded will become smaller.

Touch AF Tracking

Once the AF subject is selected by touch control, it continues to track the subject even if it moves until you press the shutter. When you're taking images of active children, pets, sports scenes or subjects in a moving object, this function eliminates the need to press the shutter button halfway down repeatedly to readjust the focus.

These functions are also available.

Fast Start-up Time: The parallel processing of software achieves ultra high-speed start-ups.

Flash Burst Mode: You can take consecutive flash shots without having to wait for the flash to recharge*.
* Max. 5 images. In 3-megapixel (4:3), 2.5-megapixel (3:2), 2-megapixel (16:9) or 2.5-megapixel (1:1) recording.

Usability


iA (Intelligent Auto) Mode

In the iA (Intelligent Auto) Mode, the camera does all the work, leaving you free to compose shots and capture moments in both photo and video recording. The Intelligent Resolution technology, 40x Intelligent Zoom and Intelligent Burst are always activated in the iA Mode.

Shake Detection –POWER O.I.S.*1

Gyrosensors detect hand-shaking and the O.I.S. lens shifts to compensate, helping prevent blurring caused by hand-shaking.

Motion Deblur

The Motion Deblur Mode*2 judges the appropriate shutter speed and suppresses motion blur. The shutter speed rises as high as possible activating the high-sensitivity recording by pixel mixed readout method.

Motion Detection – Intelligent ISO Control*3

The Intelligent ISO Control function detects subject movement and automatically adjusts the ISO setting and shutter speed to best suit the movement and light conditions.

Face Recognition*4

The Face Recognition function remembers faces that have been registered in the camera and provides the faces with optimal focus and exposure.

Face Detection – Face Detection AF/AE*1

The Face Detection function detects faces anywhere in the frame and automatically chooses the optimal focus and exposure. The Face Detection also features the Digital Red-eye Correction (Red-eye Removal) in photo recording.

Subject Detection – AF Tracking

Once you focus on your subject, the AF Tracking automatically and continuously tracks it and keeps it in focus and proper exposure.

Scene Detection – Intelligent Scene Selector*5

The Intelligent Scene Selector senses the ambient conditions and automatically selects one of Scene Modes: Photo (Scenery, Portrait, Macro, Night Portrait*6, Night Scenery, Sunset or Handheld Night Shot), Video (Scenery, Portrait, Macro or Low Light).

Happy Mode

The Happy Mode optimizes color, saturation and brightness to make images more vivid and true to the color of the scene you remember.

Light Detection – Intelligent Exposure*1

The Intelligent Exposure corrects the brightness in parts of the image that are too dark due to insufficient lighting, backlighting or use of the flash. This produces natural images that are close to the way they actually look to the human eyes.

Intelligent HDR (High Dynamic Range)

Several still pictures consecutively shot at different exposure levels are overlaid to produce a single composite picture without whiteout (over-exposure) or blackout (under-exposure).

*1 The POWER O.I.S., Face Detection AF/AE, and Intelligent Exposure are automatically turned on in the iA Mode and can be turned on or off in the P/A/S/M Mode or some Scene Modes.
*2 The picture size may be reduced.
*3 The Intelligent ISO Control is automatically turned on in the iA Mode and can be turned on or off in the P/A Mode or some Scene Modes.
*4 Turn the Face Recognition ON and register the person with full-face portrait on the shooting menu in advance.
Recognition performance varies greatly depending on shooting conditions, i.e., according to factors such as angles, facial expression and lighting, so operation under all conditions cannot be guaranteed. Because the camera searches for faces that are similar to registered faces, there are cases where the faces are not correctly recognized when the registered image and the shooting image varies much. When facial characteristics are similar, particularly between parents and their children or brothers and sisters, the camera may not distinguish the faces.
*5 With some subject and shooting conditions, it is just not possible to judge the best shooting details. When this happens, it is recommended that you shoot with the Scene Mode that best suits your purpose.
*6 In the iA Mode, the Night Portrait is not identified when the flash is turned off.

Trust iA!

Easy Manual Control / Custom Mode

The DMC-ZS20 provides easy-to-use manual controls. A total of 4 custom setting patterns can also be memorized to the camera (1 on C1 and 3 on C2).

Manual Exposure Mode

You can set both the aperture and shutter speed. The Manual Exposure Assist function shows how much your setting differs from the setting the camera considers optimal. This serves as a convenient guide for anyone using the Manual Exposure Mode.

Aperture-priority Mode

The Aperture-priority mode lets you open the aperture up wide for impressive portraits and flowers with softly focused backgrounds.


F3.3


F8

Shutter-priority Mode

Fast shutter speeds can be used to freeze moving subjects, and slow shutter speeds can create a motion blur that exaggerates the feeling of movement.


F3.3


F8

3.0-inch, 460K-dot Smart Touch-screen

The large 3.0-inch LCD lets you operate the auto focus and shutter release at the same time with just a touch. When playing back, you can drag the image across the screen with a finger to browse a collection of photos, or scroll the map to play geo-tagged images.

AC / USB Battery Charging

The DMC-ZS20 newly complies with USB power charging in addition to the conventional AC power supply. The energy-saving Venus Engine and the efficient, rechargeable lithium-ion battery let you take approx. 260 shots on a single battery charge*.

* Based on the CIPA standard.

Marine Case Compatible

The DMC-ZS20 is compatible with the optional marine case DMW-MCTZ30. This case will protect your LUMIX camera all the way to a depth of 40 meters. It lets you take clear, beautiful photos underwater.

LUMIX HD Networking

This function is also available

Archive and Share


3D Image Viewer / VIERA Link)

Photos or videos recorded in AVCHD on SD/SDHC/SDXC Memory Cards are easy to view on a Panasonic VIERA TV. Simply insert the card into the VIERA Image Viewer (SD/SDHC/SDXC Memory Card slot) on VIERA TV or Blu-ray Disc™ players to playback your contents.

With the DMC-ZS20, you can use an optional HDMI mini cable to output images you took from the camera directly to the TV for VIERA Link. The pictures taken with the 3D Photo Mode via the 3D Image Viewer offers you a whole new exciting experience.

LUMIX HD Networking

• The HDMI output function requires the optional RP-CDHM15/CDHM30 HDMI mini cable. Please confirm that the TV you are connecting to has an HDMI input terminal compatible with the selected signal. Depending on the cable used, some functions may not be possible. Panasonic HDMI cables are highly recommended.
• AVCHD motion images recorded with AVCHD-compatible digital video cameras cannot be played on the DMC-ZS20. • AVCHD motion images recorded onto an SD/SDHC/SDXC Memory Card or a DVD disc cannot be played on a device that does not support the AVCHD standard. • SDHC Memory Cards and SDXC Memory Cards can be used only in equipment that is compatible with their respective formats. • If the computer being used does not support SDXC Memory Cards, a message prompting you to format may appear. (Doing so will cause recorded images to be erased so do not choose to format.) If the card is not recognized, please refer to the support site. http://panasonic.net/avc/sdcard/information/SDXC.html
• More detailed information is available on our support site. http://panasonic.jp/support/global/cs/dsc/

LUMIX Image Uploader

You can upload images to Facebook™ (photos) and YouTube™ (videos) with simple operation.

* LUMIX Image Uploader starts up automatically on the computer if the supplied software "PHOTOfunSTUDIO Ver. 6.0" or later is installed.
In other case, start up the menu by double-clicking the file "LUMIXUP.EXE" in the folder below:
[My Computer] > [Removable Disk] > DCIM > AD_LUMIX (Windows)
• Facebook is a registered trademark or trademark of Facebook, Inc.
• YouTube is a registered trademark or trademark of Google Inc.

PHOTOfunSTUDIO

The PHOTOfunSTUDIO 8.1 Premium Edition makes it possible to sort and organize photos and videos not only of those newly taken but also of those stored in your computer with quick start-up and fast read-in of images.
Recorded videos can be edited with the Short Movie Story function and written into MPEG2 to burn onto a BD / DVD disc. You can also enjoy making photos and videos slideshows with a variety of effects and use your iTunes music library as background music. It is also possible to put a title or add comments on the scene utilizing the information from the people's names registered in Face Recognition.

More information

This function is also available

GPS Function


GPS System with World Map Information

The DMC-ZS20 is acclaimed as an excellent travel companion because of a host of travel-friendly functions represented by the built-in GPS system. You can copy the map data of designated city to an SDXC/SDHC/SD Memory Card out of a bundled map DVD which comprehends detailed map of approx. 90 countries worldwide on a scale of 1/25,000 or more precise.

Shooting

The LUMIX GPS displays not only latitudes and longitudes, but also the name of the Country/Region, State/Prov./County, County/Township, City/Town/Village and Landmark. The area information covers 203 countries or regions for global use. Plus, more than 1,000,000 of landmark information covers 82 countries or regions*1.

Playback

The photos and videos with the location names are automatically sorted in the virtual folder alphabetically in the camera allowing quick reach.

• Design of GUI (Graphic User Interface) is subject to change without notice.

*1 The information of Landmark may not be displayed depending on the country or region. *2 The information of videos is recorded in the maker note for the AVCHD / MP4 files.

• The GPS function is not available on the DMC-ZS20 for China.

® 2011 NAVTEQ All rights reserved.
This service uses POI (Points Of Interest) of Canvas Mapple Co., Ltd. "MAPPLE" is a trademark of Shobunsha Publications,Inc.

® 2011 Canvas Mapple Co.,Ltd. All Rights Reserved.

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Customer Care Service Plan Coverage

The Panasonic Customer Care Plan offers coverage beyond the manufacturers warranty for your product.

You will receive paperwork within 2 - 3 weeks.

Benefits of a Customer Care Plan

Peace of Mind

You will never have to worry about unexpected or unplanned repair bills. The coverage covers parts and labor to keep product in good operating condition. If you have in home service during the factory warranty then the same is provided during the extended period. If you have carry in service, then you have the same during the extended period.

Quality Service

Ensures only authorized and highly trained techinicians with up-to-date diagnostic tools will work on your product. Knowing how important your product is to you, servicers will repair your product as quickly as possible. Only Panasonic parts and components are used.

Convenience

When you need service just call the Panasonic 800 number and someone will contact you within 24 hours.

Value

In addition, the service is transferable to a new owner!

Affordable

Your Plan is priced to offer you affordable protection for your valuble electronics product. The coverage will cost you just pennies a day and there are no deductibles.

Terms of Service You Agree to by clicking ‘Add to Cart

SERVICE CONTRACT COMPREHENSIVE COVERAGE

This document sets forth the entire Contract between the Service Contract Administrator hereinafter referred to as We, Us and Our, and, the Purchaser as You and Your. No representation, promise or condition herein shall modify these terms. Service Net Warranty, LLC ("Service Net") is contractually obligated to You to provide service under this Contract where in accordance with, and as allowed by state law. If this Contract is purchased in Florida or Oklahoma, Service Net Solutions of Florida, LLCis contractually obligated to You to provide service under this contract.

1.What Is Covered. We will furnish labor, parts, and/or replacement equipment (or pay for same) necessary to repair operational or mechanical breakdowns of the product specified in this Contract, provided such service is necessitated by product failure during normal usage. The product specified and covered includes only equipment as originally configured and charged for in this Contract. Coverage also applies to the parts and accessories that are necessary to the covered product's functionality, but does not apply to accessories that are used in conjunction with or to enhance the performance of the covered product. The maximum liability owed to You under this Contract will be the full retail cost of Your Product minus the sales tax. In the event We (I) replace the Product with a Product with equivalent specifications or (II) reimburse You for the current market value of the Product with equivalent specifications or (III) reimburse You for the retail amount of the Product, less claims made, minus sales tax, We shall have satisfied all obligations owed under this contract. Power Surge and Spike: This service plan protects against operational failure of a covered product if a failure occurs while connected to a surge protector approved by the Underwriter's Laboratory. Your surge protector may be collected by the Administrator for examination.

2.TO OBTAIN AUTHORIZATION FOR REPLACEMENT (ON REPLACEMENT CONTRACTS ONLY):
You must obtain authorization prior to the receipt of a replacement Product.
Call the toll free number listed on the reverse side of this Service Contract.
Have this Contract, Your Contract number, and the original Product receipt available.
Instructions on obtaining replacement will be given.
Once authorization is obtained You may be required, at Your expense, to return the Product to Service Net.
This Product is not to be taken to the Retailer.
At Our determination, You will receive a replacement Product of like grade and quality. Technological advances may result in a replacement product with a lower selling price than the original Product. In all cases where a replacement cannot be made, You will receive reimbursement for the original purchase price, excluding sales tax, delivery and installation.
All contractual obligations are considered fulfilled upon Product replacement, reimbursement or Contract term expiration.
We reserve the right to replace the Product with a remanufactured or refurbished Product.
The replacement Product will be mailed to You at no cost.

3.DEDUCTIBLE. No deductible applies to this Contract.

4.IMPORTANT NOTE. Repairs recommended by the repairing facility not necessitated by mechanical breakdown are not covered unless specifically authorized by Us. We reserve the right to inspect the items to be covered, or the items covered, as the case may be, prior to coverage or during the coverage period. Model number, serial number and original date of purchase of all items to be covered must be provided to execute application for service. If You request a service call for a non-covered repair, You will be responsible for all osts associated with the repair. In the event You are unable to meet the servicer, You must call to cancel the appointment in advance of the agreed upon time of service. You may be responsible for paying the second trip charge for the subsequent rescheduled repair. If the product is found to be performing to the manufacturer?s specifications, it will be returned to You. This contract must be paid in full prior to services being rendered.

5.TIME FOR SERVICE. Service will be performed during the hours of 8:00 a.m. to 5:00 p.m. local time Monday through Friday, excluding holidays. Any additional costs above the service providers authorized hourly rate (premium or overtime charges) or after hours service will be at Your expense with exception of health related or severe weather related emergencies.

6.PLACE OF SERVICE. Service will be provided by a manufacturer authorized service center, or the Dealer named in this Contract. After We authorize Your claim, We will arrange for service and We will cover the reasonable parts and labor costs that We authorize. You may be asked to provide proof of purchase as a condition for receiving service under this Service Contract. Your original purchase receipt should be kept with this service Contract in a safe place. (a) On-site service will be provided for Major Appliances and televisions greater than 42 screen size. All televisions (LCD, Plasma, Projection) with a screen size between 19 and 42 may be serviced either on-site or by depot repair, at Our discretion. If depot service is required, the cost to transport and/or ship the Product for service will be paid by Us. On-site service, if applicable, will be provided when Your residence is located within fifty (50) miles of an authorized service provider. If You are entitled to on-site service but due to environmental and/or technical requirements, certain repairs can not be completed in Your residence, or if You are located more than fifty (50) miles from the nearest authorized provider, the cost to transport and/or ship the Product for service will be paid by Us. On-site service where applicable requires clear, complete and easy access to the product by the authorized service provider and does not include removal or re-installation of an installed product. It is possible that certain on-site repairs will not be completed on-site, but will require that the product or parts of the product, at the servicer's discretion be removed for shop diagnosis and/or repair and then returned. (b) All other Product categories are covered for carry-in or depot service.

7.PARTS AND SUBCONTRACTING. Parts used to repair equipment may either be new or refurbished at Our sole option. Service may be performed by subcontractors.

8.UNAVAILABILITY OF FUNCTIONAL PARTS OR TECHNICAL INFORMATION. If We determine that We are unable to repair Your Product due to the unavailability of functional parts, service or technical information, the total liability owed to You under this Contract will be the lesser of (I) the current market value of a Product with equivalent specifications or (II) the retail price paid for Your Product minus sales tax and claims paid, in lieu of service repairs or replacement of the Product with equivalent specifications. In all cases where parts or technical information are on extended backorder for a minimum of sixty (60) calendar days, We will determine if a replacement or reimbursement will be made. All contractual obligations are fulfilled, in lieu of repairs, upon Product replacement, reimbursement or Contract term expiration. Technological advances may result in a replacement Product with a lower selling price than the original Product. If We replace the Product or buyout the Contract, the covered Product becomes Our property and We may, at Our discretion, require the Product to be returned to Us (or Our designee) at Our expense.

9.RENEWABILITY. This Contract is renewable at Our sole discretion.

10.LIMITATIONS OF COVERAGE. This Contract Does Not Cover: A. Any equipment located outside the United States. B. Service required as a result of any alteration of the equipment, or repairs made by anyone other than a participating servicing dealer, an authorized service provider, its agents, distributors, contractors or licensees, or the use of supplies other than those recommended by the manufacturer. C. Damage or other equipment failure due to causes beyond our control including, but not limited to, repairs necessary due to operator negligence, the failure to maintain the equipment according to the owner?s manual instructions, abuse, vandalism, theft, fire, flood, wind, freezing, power failure, inadequate power supply, unusual atmospheric conditions, or acts of war or acts of God. D. Service necessary because of improper storage, improper ventilation, including failure to place the equipment in an area that complies with the manufacturer‘s published space or environmental requirements. Misuse, abuse and any utilization of equipment that is inconsistent with either the design of the equipment or the way the manufacturer intended the equipment to be used, including cases in which the manufacturer of the equipment would not honor any warranty. E. Any utilization of equipment that is inconsistent with either the design of the equipment or the way the manufacturer intended the equipment to be used. Any installation that prevents normal service. Any and all cases in which the manufacturer of the equipment would not honor any warranty regarding the equipment. F. Equipment used commercially or in a commercial setting. An industrial or commercial setting is defined as anything other than a single family dwelling. Single family dwellings include: Houses, Townhouses, Modular Housing, Condominiums, Duplexes, and Apartments. Equipment used in recreational vehicles is not covered. G. Cosmetic damage such as, but not limited to scratches, dents, rust, stains. Expendable or lost items, such as, but not limited to ear buds or head phones. H. Consumable items are defined as any part that is considered consumable by the manufacturer and/ or any item that is designed to be consumed (wear out) during the life of the Product, regardless if it is consumer replaceable or not. Consumable items include, but are not limited to For Consumer Electronics: light bulbs, lamps (unless purchased as additional coverage), and batteries. For Printers, Copiers, and Multifunctional Equipment: ink, fuser, roller kits, maintenance kits, paper trays, and any toner/cartridge. For all Products: Telephone or other lines connecting to the equipment. I. In-warranty parts not provided or shipped by the manufacturer. Operational or mechanical failure covered by manufacturer?s warranty, manufacturer?s recall, improper construction, or factory bulletins, (regardless of whether or not the manufacturer is doing business as an ongoing enterprise). Defects in the equipment due to the manufacturer?s error or improper construction of the equipment. J. Any software, including but not limited to, application programs, network programs, upgrades, formatting of any kind, databases, files, drivers, source code, object code or proprietary data, or any support, configuration, installation or reinstallation of any software or data. K. Normal, periodic or preventative maintenance, customer education and cleanings. L. Consequential damages as a result of malfunctioning of or damage to an operating part of the covered equipment or damages as a result of any repairs or replacements under this agreement. Damages caused by delays in rendering service or loss of use during the period that the product is at the authorized service center or otherwise awaiting parts are not covered. M. Loss or damage as a result of violation of existing federal, state and municipal codes including repairs to products not complying with said codes. N. Pre-existing conditions (incurred prior to the effective date of coverage), and known to You. O. Equipment where the serial plate attached to the equipment is removed, defaced or made illegible. P. Markings or retained images on the glass panel resulting from viewing fixed images (including, among other things, non-expanded standard 4:3 pictures on wide screen TVs, or onscreen data in a stationary and fixed location). Damaged or defective LCD screens when the failure is caused by abuse or is otherwise excluded herein. All display products that are used in an application that requires continuous and/or business operation. Q. Damage resulting from unauthorized repair; software virus; improper electrical wiring and connections; damage caused during delivery, improper installation, or setup, user facilitated minor adjustments and settings outlined in the product?s owners manual, external antenna or local reception problems, inaccessible products or parts, negligence, misuse or abuse whether willful or not. R. Payment for subsequent service calls which result in "no failure found" diagnosis. Non failure problems including but not limited to noises or squeaks. Subsequent trip charges may need to be paid by You if a second "no failure found" diagnosis is determined based on the same problem. S. Broadcast grade models are not covered by this program. Repair of resolution (pixels) failure must match the factory minimum standards before an authorized repair occurs. T. Equipment sold without a manufacturer?s warranty, sold "as is" or sold as refurbished Products or is located in a rental property. U. De-installation, removal, or reinstallation of any equipment. V. Any cost recoverable under any other warranty, guarantee, or under an insurance policy (in such case, this Contract will cover any applicable deductible). W.Transit or delivery damage, damage caused by packing, unpacking, assembly, installation, or removal. Short circuit, loss of use, parts or labor covered under the manufacturer?s warranty, lack of maintenance, bodily injury, pre-existing conditions, manufacturer?s recall, periodic checkups or maintenance. We will not pay for adjustments or repairs required because of conditions at your location. X. Electronics and PC equipment over 5 years of age.

11.NO LEMON GUARANTEE. During the term of this Contract, when three service repairs, with three separate claim numbers, have been completed on the same part, and that same part requires repair under a fourth claim number, as determined by Us, Your Product will be replaced with a Product of like grade and quality by Us, not to exceed the original retail purchase price. In the event a comparable replacement cannot be located, a buyout, not to exceed the original retail purchase price, will be provided. This does not include repairs necessary during the manufacturer?s warranty period, rework/ callback service required after initial service, during the warranty of work period provided by the Service Company, or previous service Contract terms. Once you have received Your Product replacement or buyout all contractual obligations under this Contract have been fulfilled.

12.CANCELLATION AND REFUND. You may cancel this contract at any time for any reason. If You cancel this Contract within sixty (60) days of the date purchased You will receive a refund of the full purchase price less any claims. If You cancel this Contract thereafter, You will be refunded the remaining days of coverage on a monthly prorated basis, less costs for service performed (if applicable). No refund will be issued if the prorated refund amount is less than or equal to $5.00. We, at Our sole option, may cancel this Service Contract due to non-payment. If We cancel this Service Contract due to non-payment, You will not receive a refund. Neither You nor the Dealer nor We are obligated to renew this Contract beyond the current term.

13.CLAIMS LIMITATION. The total claims limitation under this Contract is the retail price paid for Your Product minus sales tax, claims paid, delivery and installation. During the term of the Contract We may elect, at Our option, to buyout the Contract for the original purchase price of the covered Product less claims paid, less sales tax, delivery and installation, or replace the Product with a comparable Product. In the event We reimburse You or replace the Product We shall have satisfied all obligations owed under this Contract.

14.BUYOUT. We may elect, at Our option, to buyout the Contract during the coverage term for the lesser of (I) current market value of a Product with equivalent specifications or (II) retail price paid for Your Product minus sales tax and claims paid. When determining the current market value of a Product of equivalent specifications a fair analysis is completed using current manufacturers? and distributors? pricing on comparable products. All contractual obligations are considered fulfilled upon buyout of the Product. You have up to forty-five (45) days from the date of authorization to complete your product buyout transaction. Technological advances may result in a replacement product with a lower selling price than the original Product. If We buyout the contract, the covered product becomes property of Service Net and We may, at Our discretion, require the product to be returned to Us (or our designee) at Our expense.

15.STATE VARIATIONS. Certain states have specific conditions; conditions listed on the front of this form apply to You.

16.TRANSFERABILITY. You may transfer this Agreement to any person by sending written notice to: Service Net, P.O. Box 1411, Jeffersonville, IN 47131-1411.

17.NOVATION. If Service Net assigns another insurance carrier with an "AM Best" industry rating of A- or better under this Contract directly or indirectly, such new insurance carrier will carry the liability under this Contract.

18.RIGHT TO RECOVER FROM OTHERS. If we make any payment, we are entitled to recover what we paid from other parties. By accepting settlement of a claim, You transfer to us your right to recovery against any other party.

19.COVERAGE AND TERM. This is not an insurance policy. As the Administrator, We will assist You in understanding Your warranty and coverage benefits from the day You purchase Your Plan. If Your Product needs repair for operational or mechanical failure, You are required to call the toll free number listed on the front of this Contract or submit Your claim in writing to Service Net, 650 Missouri Ave., Jeffersonville, IN 47130. With any correspondence, please provide Your daytime phone number and claim number if applicable. If We fail to pay or provide service on a claim within 30 days after proof of loss has been filed, or in the event We are no longer a going concern, please enclose a copy of Your plan when sending correspondence to the Insurer. The expiration date and price of this Contract are listed on the face of this Contract. There are some limitations of coverage. You should review the limitations of coverage paragraph for details. This Plan is secured by a contractual liability or reimbursement insurance policy provided by either Illinois National Insurance Company or New Hampshire Insurance Company Inc., 175 Water Street, 20th Floor, New York, NY 10038. Telephone 1-800-250-3819. If, within sixty (60) days, we have not paid a covered claim, provided you with a refund or you are otherwise dissatisfied, you may make a claim directly to the insurance company.

20.ENTIRE CONTRACT. This is the entire Contract and no other oral modifications are valid.

21.LIMITATION OF LIABILITY. THE DEALER/RETAILER, SERVICE SAVER, INCORPORATED SERVICE NET, THEIR AGENTS, CONTRACTORS OR LICENSEES WILL NOT UNDER ANY CIRCUMSTANCES BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, PROPERTY DAMAGE, LOST TIME, LOST DATA RESULTING FROM THE BREAKDOWN OR FAILURE OF ANY EQUIPMENT OR FROM DELAYS IN SERVICING OR THE INABILITY TO RENDER SERVICE ON ANY COVERED EQUIPMENT. EXCLUSION IS MADE OF ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. THERE ARE NO EXPRESS OR IMPLIED WARRANTIES MADE HEREIN. If You have any questions, require customer service, or wish to report a claim, please contact: Service Net, 650 Missouri Ave., Jeffersonville, IN 47130