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Electronic Communications Disclosure and Consent Agreement


Please note the following regarding your paperless enrollment:

By enrolling, you confirm that you have read and understood the Important Note
Regarding Consent below.

Important Note Regarding Consent to Enroll in Paperless Online Servicing: Please
note that by enrolling in paperless delivery, you agree that the majority of
your documents will be sent electronically, including but not limited to: policy
documents, endorsements, and billing statements. However, certain documents such
as notices of cancellation and nonrenewal may continue to be mailed to the
address that we have on file.

Once enrolled, you retain the right to receive a paper copy at any time and at
no cost to you.

If you view your documents electronically and would still like to have a copy
mailed to you, please call our customer care department.

You may withdraw your consent to receive electronic documents at any time and at
no cost by indicating your preference at our website or by speaking with a
Customer Service Representative.

It is your responsibility to provide us with accurate information related to
e-mail address, contact, and other information related to this disclosure and
your insurance policies. The policyholder electing to allow for notices and
communications to be sent to the electronic mail address provided by the
policyholder should be aware that the insurer rightfully considers this election
to be consent by the policyholder that all notices may be sent electronically,
including notice of nonrenewal and notice of cancellation. Therefore the
policyholder should be diligent in updating the electronic mail address provided
to the insurer in the event that the address should change.

If at any time you need to update your records, please access online servicing
or call our customer care department.

When you view your policy on-line and select the link for your documents, you
are giving your consent to receive your policy documents, declarations page and
important notices and disclosures electronically. This means that you are able
to save and print your documents immediately.

Your documents are best viewed electronically with Microsoft Explorer and
Mozilla Firefox. You should also have Adobe Acrobat Reader 6.0 or higher to view
documents.


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