# CONSENT TO ELECTRONIC DELIVERY

ACE American Insurance Company and its United States-based affiliated companies provide you the option to receive documents and communications from us in a non-electronic form. However, we have the ability to deliver certain insurance documents and communications to you through electronic means.

By signing below, you give us your consent to deliver all documents and communications relating to your insurance program purchased through the ACE Risk Management business unit of ACE USA to you electronically in lieu of any other method of delivery. This consent for electronic delivery is effective until you withdraw it. It also means that we may choose not to provide hard copies of any document or communication that we deliver to you electronically. Accordingly, you should print or otherwise retain a hard copy of any document or communication for your records if you wish to do so.

The delivery of documents and communications to you electronically pursuant to this consent in lieu of sending paper copies shall not affect the validity, legal effect or enforceability of such documents and communications.

We reserve the right to modify the terms of this consent by providing you with at least fifteen (15) business days advance notice of the modified terms. If we modify these terms, the modified terms will apply to your insurance program and be binding on you unless and until you withdraw your consent to electronic delivery.

## Documents and Communications Subject to Consent

Listed below are some of the documents that we may provide electronically:

- Policies, including all declaration pages, and endorsements that may be attached to those policies
- Policyholder notices delivered in conjunction with the policies or otherwise
- Notices of Election
- Collateral Agreements
- Coverage Election Forms for Uninsured/Underinsured/Personal Injury Protection coverages
- Invoices
- Statements of Adjustment
- Cancellation Notices and Notices of Non-renewal

## Method of Delivery

We may make electronic documents available to you by posting them to a secure website that you may access with a username and password, or by sending them via an e-mail message to an email address that you specify. We also may send paper copies of documents to you, even though we have already given or could have given them to you electronically.

## Withdrawal of Consent

You may withdraw your consent to electronic delivery by providing notice to us, but 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. If you provide us notice of withdrawal of your consent for electronic delivery, your withdrawal will not become effective until ten (10) business days after our receipt of your notice of withdraw.

## Request for Paper Copy

You may request that we send you a paper copy of any document that was originally provided to you electronically, and we will send that document to you using a nationally-recognized overnight courier service at no charge to you.