ELECTRONIC DELIVERY OF BUSINESS BILLING STATEMENTS PROGRAM

Revised: May 1, 2020

To receive your billing statements by electronic delivery instead of by Mail, you must enroll in our Electronic Delivery of Statements Program ("Program"). If you have multiple billing accounts, you can choose to enroll any one of them, or all of them, in the Program. Your opt-in to receive these statements by electronic transmission is voluntary. By enrolling in the Program, you confirm that you have read and agree to these eDelivery Terms and Conditions ("Terms and Conditions").

The words "we," "us," and "our" mean Travelers*. The words "you" and "your" mean you, an authorized representative of the Named Insured, who is enrolling in the Program. You represent that you are an authorized representative of the Named Insured listed on the policy(ies) and Billing Account(s) and that you have authority to act on behalf of all Named Insureds on the policy(ies) and Billing Account(s). Only one Named Insured's consent is required to enroll a Billing Account in the Program, regardless of the number of Named Insureds on the policy or Billing Account.

When capitalized, the words "Billing Account", "Billing Accounts" or "Billing Account(s)" mean the billing account you choose to enroll in the Program. When you purchase a policy with us, a billing account is established. If you purchase more than one policy from us, you can have those policies billed together under a single billing account or you can have those policies individually billed under separate billing accounts. We require separate enrollment of each billing account you want in the Program. By enrolling a Billing Account or Billing Accounts in the Program, you agree to receive billing statements for those Billing Account(s) by electronic delivery.

Your consent to electronic delivery and enrollment in the Program will remain in effect and will apply to the Billing Account(s) designated by you, for all future renewals, continuations, replacements and changes to all policies associated with that Billing Account, unless:

• You withdraw your consent in accordance with these Terms and Conditions; or
• We terminate the Program or your enrollment in the Program.

We are not liable for any loss, liability, cost, expense or claim arising out of your enrollment in the Program or your election to receive billing statements by electronic delivery.

When we say we will send you a billing statement(s) by electronic delivery, it means we will:

• Send the document by email, or in an attachment to an email, or
• Send a notice by email that your billing statement is available for you to view on a particular website. In some instances, you will need to create a username and password to access the website and view your statement.

Whether to email you the statement or to send you a notice that the statement is ready to view online is our choice. We will send the document or notice to the Email Address of Record. If we detect that our email to you was not delivered successfully, we may (i) Mail you the statement, or (ii) Mail you a notice, informing you that your statement is available to view online.

We may choose not to use electronic delivery for certain documents or at certain times and, instead, may Mail the document. In some circumstances, we may choose to send a document both by electronic delivery and by Mail.

A document we send by electronic delivery is considered delivered when sent. This is regardless of whether you access or view the document.

When we say we will Mail you a document, it means we will mail the document to the address shown in the Declarations page of the Policy or an address as otherwise directed by you and agreed upon by us. We may have the statement physically delivered instead of mailing it.

At the time you enroll a Billing Account in the Program, you will need to designate an email address ("Email Address of Record") for each Billing Account that you choose to enroll. We may require the Email Address of Record for each Billing Account to be the same. This is the email address we will use for electronic delivery of Statements for that Billing Account. An Email Address of Record must be that of an authorized representative of the  Named Insured listed on the policy(ies) and Billing Account(s) with the authority to act on behalf of all Named Insureds on the policy(ies) and Billing Account(s).

You can change or update an Email Address of Record either (i) by logging into MyTravelers^® and updating your email address in the Manage Preferences section of your Profile or (ii) by notifying a Travelers billing representative at 1.800.252.2268.

The Email Address of Record for a given Billing Account is the last Email Address of Record we have in our files for that Billing Account. It is your responsibility to notify us of any changes or updates to an Email Address of Record. You are responsible for ensuring that we have the correct Email Address of Record for each Billing Account. We will not be liable for any loss, liability, cost, expense or claim arising out of an incorrect Email Address of Record.

You may withdraw your consent to electronic delivery of documents by changing your delivery preference back to delivery by Mail. You can do this by either (i) logging onto MyTravelers and updating your delivery preferences in the Profile section or (ii) notifying a Travelers billing representative at 1.800.252.2268. You will need to affirmatively change your delivery preference for each Billing Account that you wish to withdraw from the Program.

It may take a period of time for us to process your enrollment in the Program, process a change to an Email Address of Record or process any request to withdraw a Billing Account from the Program. We will send statements to you by Mail until we process your enrollment. Changes to any Email Address of Record or withdrawal of your consent to receive statements electronically are not effective until we process the change. We will continue to send Statements to the Email Address of Record until any change becomes effective.

In order to access, view and retain the statements we send you by electronic delivery, you need:

• A valid email address
• Regular internet access via a browser that is JavaScript and Cookies enabled. For details on our Cookies policies, click here.
• One of the following browsers:
  • Internet Explorer 11 or above
  • Chrome 72 or above
  • Firefox 64 or above
  • Safari 12 or above
• Adobe Reader™, to view documents in pdf format. If you do not have an Adobe PDF reader, you may be able to download the necessary software at http://get.adobe.com/reader/.
• Sufficient electronic storage capacity on your computer's hard drive or other data storage unit, and
• If you want to print any document, a printer capable of printing a pdf.

We may send our emails in HTML or plain text. Most emails will not be encrypted. However, documents attached to the email may be encrypted. If a document is encrypted, you will need a password to access the document, even after it is saved on your local hard drive. Not all documents will be encrypted.

You may incur costs, including but not limited to, online time and other charges from your internet service provider, in accessing and/or viewing documents.

By enrolling in the Program, you acknowledge that you have the minimum hardware and software requirements listed in this section.

We may terminate the Program, your enrollment in the Program or the enrollment of any Billing Account in the Program at any time. If your enrollment, the enrollment of any Billing Account, or the Program itself is terminated, we will resume Mailing statements.

We may modify these Terms and Conditions from time to time, without your consent. When we do, we will provide you with the modified Terms and Conditions by electronic delivery in the Legal Notices section of your MyTravelers profile. We will also post them
at https://www.travelers.com/business-insurance/billing/edelivery-legal-terms-conditions. If you do not agree to the Terms and Conditions at any time, you may withdraw consent for electronic delivery as set forth in these Terms and Conditions.

All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of all statements and these Terms and Conditions.

You may request a paper copy of your statements at any time at no additional charge by calling Travelers billing representative at 1.800.252.2268.

Your consent to receive statements electronically is a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act. You and we both intend that these laws apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

*The Travelers Indemnity Company and its property and casualty affiliates. Refer to your policy declarations page for the name of your particular insurer.