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LOYA INSURANCE GROUP CONSENT TO CONDUCT ELECTRONIC TRANSACTIONS AND RECEIVE ELECTRONIC DOCUMENTS AND COMMUNICATIONS

Loya Insurance Group and its property and casualty affiliates, including Loya Insurance Company, Loya Casualty Insurance Company, Young America Insurance Company, National Insurance, and Vision Insurance Company (collectively, “Loya”), give you the ability to transact business with us electronically, as well as receive and sign important documents relating to your insurance electronically. As more fully described below, this includes policy documents, billing documents, claims documents, and other disclosures, notices and documents related to your insurance policy.

Applicable law requires that we obtain your consent to conduct electronic transactions with you and transmit electronic documents and communications to you. By accepting these terms and conditions, you agree that we may provide all of your insurance related documents to you electronically, except where prohibited by applicable law. Documents signed by or provided to you in electronic format will have the same contractual force and effect as documents in paper format.

If you wish to transact business with us electronically and receive and sign documents electronically, please read the below terms and conditions carefully and thoroughly. Before agreeing, you should carefully consider your comfort level with receiving, timely accessing and storing documents electronically, as well as whether you have the required hardware and software capabilities described below. If you agree to the below terms and conditions, please confirm your agreement by signing at the bottom of this document.

TERMS AND CONDITIONS
As used herein, “we,” “us,” and “our” refer to the Loya company that issues your policy and all of its subsidiaries, affiliates and agents. “You” and “your” refer to the Named Insured identified in the application for insurance. You represent that you are a Named Insured on the policy and that you have authority to act on behalf of all insureds on the policy. Please be aware that the consent of only one Named Insured is required to transact business with us electronically, regardless of the number of Named Insureds on the policy.

Your Consent to Use Electronic Signatures
By choosing to transact business with us electronically, you agree to use electronic signatures. Electronic signatures may take various forms, including checking a box. You further agree that any documents electronically signed by you will have the same contractual force and effect as if signed by you with a “wet” traditional written signature.

Your Consent to Receive Insurance Related Documents Electronically
Unless you tell us otherwise in accordance with the procedures described herein, you consent to receive all of the following documents (collectively, “Insurance Related Documents”) electronically instead of in paper format:
• Policy Documents – Your insurance policy and all documents, notices and correspondence related to your insurance policy. This includes, without limitation, quotes, insurance applications, application materials, policy jackets, policy contracts and endorsements, declaration pages, change declarations, insurance identification (ID) cards, consumer bills of rights, underwriting documentation, important notices (e.g., notice of premium increase, notice of renewal, notice of conditional renewal, notice of nonrenewal, notice of cancellation, notice of change in terms and conditions), disclosures, authorizations, acknowledgments, and any other documents related to your insurance as we may determine or that may be required to be provided by law;
• Billing Documents – Bills, billing notices, billing statements, payment receipts, payment schedules, billing related disclosure notices, authorizations, acknowledgments, correspondence related to premium payments, and any other documents related to your bill or payment as we may determine;
• Claims Documents – Claim notices, disclosures, estimates, status letters, forms, releases, authorizations, acknowledgments, claims-related documents requiring your signature, correspondence concerning a claim, and any other documents that relate in any way to a claim that arises under your policy or involves you as an insured and/or claimant; and
• Any other documents or communications permitted or required to be provided by law. Your consent to receive Insurance Related Documents electronically will remain in effect and will apply to all future renewals, continuations, replacements, reinstatements, and changes to your policy unless (i) you revoke your consent in accordance with these terms and conditions; or (ii) we discontinue or terminate our electronic delivery of

Insurance Related Documents to you.
Currently, some types of Insurance Related Documents are not available for electronic delivery. We will continue to mail those Insurance Related Documents to you in paper form to the last address you have provided to us. However, some or all of those Insurance Related Documents not currently available for electronic delivery may become available for electronic delivery in the future. When Insurance Related Documents become available for electronic delivery, we may automatically start sending those documents by electronic delivery and stop mailing those documents to you, without any further notice. Your consent to receive Insurance Related Documents electronically applies both to documents that are currently available for electronic delivery and to those documents that may become available for electronic delivery in the future.
Your consent to receive Insurance Related Documents electronically does not mean that we must provide such documents to you electronically or that all such documents will be delivered to you electronically. We will not send you paper copies of Insurance Related Documents unless you request them, any such documents are not available electronically, we deem it appropriate to do so, or in those instances where we are required by law to send paper copies. Paper copies will be delivered to you by U.S. mail to the last address you have provided. By consenting to receive Insurance Related Documents electronically, you agree that you have the authority to receive all such documents electronically on behalf of all insured persons under your policy.

Method of Providing Insurance Related Documents to You Electronically
All Insurance Related Documents that we provide to you electronically will be delivered to you in HTML or PDF format by way of an email.
We may choose not to use electronic delivery for certain Insurance Related Documents or at certain times and, instead, may mail the document to you. In some circumstances, we may choose to send an Insurance Related Document both by electronic delivery and by U.S. mail. An Insurance Related Document we send by electronic delivery is considered delivered when sent. This is regardless of whether you actually access or view the document.

Hardware and Software Requirements
To receive, view, sign, and/or retain Insurance Related Documents electronically, you must have the following hardware and software capabilities described below:
• A valid e-mail account with an Internet service provider.
• A PC or Mac compatible computer or other device capable of accessing the Internet.
• One of the following browsers:
◦ Google Chrome™ Current Version
◦ Internet Explorer® 11 (Windows only)
◦ Mozilla Firefox™ Current Version
◦ Windows® Edge Current Version
◦ Safari® (Mac OS only) 6.2 or above
Please note that pre-release (e.g., beta) versions of operating systems and browsers are not supported.
• Adobe Reader® or similar software might be required to view Insurance Related Documents provided in Portable Document Format (“PDF”) format.
• Internet Browser security settings that permit per session cookies.
• Firewall settings must allow access to the following server: https://docucdn-a.akamaihd.net.
• Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit.
• A printer or a long-term storage device, such as your computer’s disk drive, that allows you to print or download files or print web pages for future reference.
• To electronically sign documents on a mobile device, one of the following operating systems:
◦ Apple® iOS 7.0
◦ Android™ 4.0

Some states may require certain Insurance Related Documents to be displayed in a particular font size. To ensure that communications are displayed at the correct font size for your state, please make sure that the view size setting for the communications is set to 100 percent and your browser resolution is 1024 x 768. These minimum requirements are subject to change from time to time and it is your responsibility to comply with these requirements as they change. We will notify you if there are any changes to the hardware or software requirements that could impact your ability to access, view, sign or retain your Insurance Related Documents electronically.

Please be aware that Insurance Related Documents delivered to you or signed by you electronically may not be available online indefinitely. Accordingly, you should save such documents to your computer or print them to retain copies for your records.

We are not responsible for errors or failures caused by any malfunction of your computer, Internet Browser, or software. We are also not responsible for computer viruses or related problems associated with the use of an online system, or any delay or failure in connection with your receipt of email notices.

Your Responsibility To Provide Us With A Valid and Active Email Address
In order to conduct electronic transactions and receive Insurance Related Documents electronically, you must provide us with a valid e-mail address and ensure that it is active and capable of receiving emails. To do this, you must ensure that your e-mail account has sufficient space for new emails and that your e-mail server and spamblocking software do not block our emails.

We are not responsible for problems arising from emails sent to invalid, inactive, or out-of-date email addresses. Emails returned as undeliverable may result in a suspension of electronic delivery of Insurance Related Documents to you. In the event of such a suspension, all Insurance Related Documents will be sent to you by U.S. mail at the last address you have provided. It is your responsibility to provide us with an updated mailing address. At our option, we treat your provision of an invalid email address, the subsequent malfunction of a previously valid email address, or an email returned to us as undeliverable as a withdrawal of your consent to receive Insurance Related Documents electronically.

To notify us of a change in your email address, you must send an email message to us at underwriting@fredloya.com and in the body of such request you must state: your previous email address and your new email address.

Communications in Writing
All Insurance Related Documents in either electronic or paper format from us to you will be considered “in writing.” It is within your discretion to print or download any electronic Insurance Related Documents, including these terms and conditions, for your records.

Your Right to Obtain Paper Copies
You may obtain paper copies of Insurance Related Documents we provide to you electronically by printing such documents yourself or by requesting that we mail you a paper copy. Requests for paper copies of any Insurance Related Documents must be made within a reasonable time after we first provided the document to you electronically.

To request a paper copy, you must send us an email at underwriting@fredloya.com and in the body of such request you must state your e-mail address, full name, U.S. postal address, telephone number, and identify the document that you are requesting. There is no charge associated with requesting a paper copy of an Insurance Related Document.

Your Right to Revoke Your Consent
Your consent to conduct business with us electronically and receive Insurance Related Documents electronically will remain in effect for the duration of your relationship with us, or until you revoke your consent. If you wish to revoke your consent, you may do so at any time by sending an email request to underwriting@fredloya.com. The revocation of consent will take effect within a reasonable time of our receipt of your request. The consequences of withdrawing your consent for electronic documents will be that transactions may take a longer time to process.

Termination or Changes
We reserve the right, in our sole discretion, to discontinue the electronic delivery of Insurance Related Documents to you. We further reserve the right, in our sole discretion, to terminate or modify the terms and conditions on which we transact business electronically or provide electronic documents or communications to you. We will provide you with notice of any such changes as may be required by law. If you do not agree to the terms and conditions at any time, you may revoke your consent to conduct business with us electronically as set forth above.