Voluntary Consent to Electronic Transactions, Signature and Payments

1. Electronic Transactions

Type of Electronic Transactions Subject to This Consent

In an effort to streamline how you engage with ACE Property and Casualty Insurance Company, a Chubb Company, and its affiliated insurers in the Chubb Group ("Chubb") and BAK Shield LLC dba Shield Knot Insurance Services, a Chubb service provider ("Shield Knot", and collectively with Chubb, "us" or "we"), we are providing you with the option of receiving certain documents, notices and payments related to any insurance policy you may have with Chubb electronically. These documents may include, but are not be limited to, the following:

• Policy(s) documents, forms, and endorsements
• Policyholder notices
• Selection/Rejection Forms
• Invoices
• Acknowledgements of claims
• Cancellation and Nonrenewal Notices
• Premium Increase Notices or Conditional Renewal Notices
• State required notices, such as privacy notices and disclosures
• Claim notices, including explanation of benefits, proof of loss, claims documentation, releases, authorizations to obtain medical records, affidavits, and disclosures, to the extent permitted by law

The delivery of insurance and claims-related documents to you electronically, rather than sending paper copies, does not affect the validity, legal effect or enforceability of these insurance or claims-related documents.

While Chubb reserves the right to modify the terms of this Consent, Chubb will not do so without first providing you with notice of any changes. The modified terms will apply to your insurance policy(s) and claims transactions and will be binding on you unless you withdraw your agreement to this Voluntary Consent to Electronic Transactions, Signature and Payments.

Method of Delivery

We may make electronic documents available to you by posting them to Chubb's portal at https://ssp.chubbtravelinsurance.com/ctius, Shield Knot's portal at https://marshma.benefitmarketplace.io/login.asp or we may send them via e-mail whether as text in, attachments to, and/or hyperlinks from, such emails to the email address that you provide to us. If you cannot access an electronic document, please send an email to Chubbtravelinsurance@sutherlandglobal.com. Please note that, in some states, Chubb may be required under existing state law, to send paper notices to you (e.g. cancellation, nonrenewal or premium increase notices), in addition to any electronic notices we may send you, in order for such notices to become effective. Otherwise, if you live in a state where paper notices are not required to be sent, we will only send notices to you electronically.

Withdrawal of Consent

You may withdraw your consent to electronic delivery by providing notice to Chubb at any time. If you provide such notice of your intent to withdraw consent, withdrawal will not become effective until seven (7) days after our receipt of such notice.

Your withdrawal will not affect or change in any way the legal effectiveness, validity or enforceability of any documents that were delivered to you electronically before your withdrawal became effective.

To withdraw consent, please email Chubbtravelinsurance@sutherlandglobal.com. In the subject header of the e-mail, please indicate "Withdrawal of Consent" and include your policy(s) number.

If you choose to receive certain insurance documents in paper format, it will reduce the speed at which Chubb can complete certain transactions concerning your policy as Chubb is then dependent on the U.S. Postal Service for delivery of your requests and its responses back to you. If you choose this option, Chubb will be required to send your insurance related documents to the mailing address you provided.

Request for Additional Copies

While you can choose to print and save any of your electronic insurance policy documents, we also want you to know that you may request a paper or electronic copy of any insurance policy documents or records from Chubb at no additional charge, at any time. To request a paper or electronic copy, please send an email to Chubbtravelinsurance@sutherlandglobal.com. In the subject header of the e-mail, please indicate "Policy Reprint" and include your policy(s) number. In the body of the e-mail please provide Chubb with the particular notice or document you are requesting and the manner in wish you'd like it sent.

Updating Contacts and Other Notices, Requests and Inquiries

Please keep us up to date with how we may best contact you electronically. All requests, notices and other communications from you under this Consent must be made to Chubb in writing (including via email) to Chubbtravelinsurance@sutherlandglobal.com or you can make a request by phone by contacting Chubb at 1-844-825-2264.

For technical assistance with Shield Knot's portal, you may also contact ShieldKnot by email at info@shieldknot.io.

2. Consent to Electronic Payment

You have the option to receive all covered claim payment as an electronic payment via automated clearing house (direct) deposit into your checking or savings account, or payment via Debit Card (as available). Chubb will not impose any fees on you for choosing to accept your payments electronically, but your financial institution may impose a fee or charge. By agreeing to the terms of this Consent, you are accepting this offer and consenting to accept your claim payments electronically. Agreeing to this method of receiving your claim payments is voluntary. Your payments received through electronic transfer may be subject to attachment or garnishment if your account is subject to the same.

Once you submit a claim to Chubb, and Chubb accepts it for payment, you will receive an email with a link to setup an account and provide the routing and account number for the bank or other account where you wish the funds would be deposited. Except as noted below, if you do not set up an account and provide the account information within three (3) days, Chubb will automatically issue the payment via check mailed to the address on file.

Some claims under certain portions of your policy, may be subject to automatic payment upon a loss. In this event, to the extent permitted by law, payment of your claim will be made automatically to the account or credit card you have provided us upon issuance of your policy (the "payment account"). You may change your payment account at any time by notifying Chubb at Chubbtravelinsurance@sutherlandglobal.com or logging into your account at https://ssp.chubbtravelinsurance.com/ctius.

Unclaimed funds are subject to the applicable laws concerning unclaimed property.

3. Consent to Electronic Signature

You also agree that your electronic signature is the legal equivalent of your manual signature on this document and on the documents noted in this Consent. You further agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action, or to otherwise agree, acknowledge, consent, opt-in, or certify to this consent and any of the above documents constitutes your signature, acceptance and agreement as if manually signed by you in writing. You agree that no certification authority or other third-party verification is necessary to validate such signature, and that the lack of such certification or third-party verification will not in any way affect the enforceability of such signature or any such document. You represent that you will be bound by the terms of this Consent. This Voluntary Consent to Electronic Transactions, Signature and Payment is effective until withdrawn by you. Doing business electronically will not affect the validity, legal effect or enforceability of any of your transactions with Chubb.

4. Hardware and System Requirements

In order to receive, access, view, sign and retain electronic transmissions that we make available to you, you will need a personal computer or electronic device with internet connectivity and each of the following:

• Browsers: The latest stable release (except where noted) of the following browsers: Chrome, Firefox, Safari (Mac OS X only), Internet Explorer 11+
• PDF Reader: Acrobat Reader® or similar software may be required to view and print PDF files
• Screen Resolution: 1024 x 768 minimum (for desktops and laptops)
• Enabled Security Settings: Allow per session cookies

We will notify you if these requirements change.

5. Agreement

By agreeing to this Voluntary Consent to Electronic Transactions, Signature and Payments, including the terms and conditions set forth in this document, you are giving us your consent to allow us to deliver all documents, notices and claim payments relating to your insurance policy(s) electronically rather than by any other method of delivery (such as paper). If you need any assistance following the transaction, please send an email to Chubbtravelinsurance@sutherlandglobal.com.

You specifically acknowledge, as part of your clicking "I agree" that certain documents to be delivered electronically will contain confidential information and information regarding your personal financial matters ("Personal Financial Information") and other personally identifiable information, and consent to the delivery of such confidential information, Personal Financial Information and personally identifiable information by electronic means.

This Consent will remain in effect until you withdraw it.