IN THE BLINK OF AN EYE, EVERYTHING CAN CHANGE.

The Fraternal Order of Eagles Loyalty Advantage Accident Insurance Plan from Fraternal Order of Eagles is an accident insurance plan that provides a cash benefit following a costly injury or unexpected death from a covered accident.

Your acceptance is guaranteed with NO medical exam and NO health questions.

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PLAN BENEFITS

This plan offers four different benefits for covered accidents and provides cash benefits paid directly to you, or anyone you choose - benefits that are paid in addition to any other insurance you might have.

Hospitalization

Pays when a covered INJURY requires a hospital stay within 90 days of the INJURY. The benefit will also cover subsequent hospitalizations resulting from the INJURY for up to two years. The benefit is payable for a maximum of 365 days. Hospital does not include a nursing or convalescent home, skilled nursing facility, a place for treatment of mental illness, alcoholism or substance abuse, or a place for rest, custodial care, or care of the aged.

Living Benefits

Pays when a covered accident results in a serious injury, such as the loss of a limb.

Accidental Death

Pays when a covered person's INJURY results in death within 90 days from a covered accident listed below. Your benefits for Accidental Death will be paid: first, to your spouse; second, equally, to your children; third, to your estate.

Common Carrier

Pays double the Principle Sum when the insured is a fare paying passenger on a Common Carrier.

ENJOY COVERAGE FOR NINE DIFFERENT TYPES OF ACCIDENTS

Automobile, Motor Home, Truck, or Pedestrian Accident
With this accident plan, you and your family (if insured) will be covered while driving or riding in an automobile, motor home, pickup truck, or as a pedestrian if struck by a motor vehicle on a public thoroughfare. Simple trips to the grocery store or to a friend's house can often lead to accidents that cause injury-sometimes very serious injury. With the Fraternal Order of Eagles Loyalty Advantage Accident Insurance Plan, you'll have insurance protection for those everyday, "around town" trips you make all the time.

Aircraft, Bus, Train, Ship, or Taxicab
Unlike some accident plans that only cover you when you're on an airplane, the Fraternal Order of Eagles Loyalty Advantage Accident Insurance Plan covers you on any public land or water conveyance operated by a Common Carrier, including as a passenger on a regularly scheduled commercial passenger airplane. This additional coverage helps protect you when you're on vacation, on a business trip, visiting the kids, or simply out enjoying yourself. With the Fraternal Order of Eagles Loyalty Advantage Accident Insurance Plan, you now have the assurance that your accident coverage is going with you wherever you go!

CASH BENEFITS

Your benefit amounts are determined by the number of continuous years you have been a Fraternal Order of Eagles member. With each member year, through the sixth year, your coverage will continue to grow with no premium rate increase.

The chart below shows how your member benefits would increase with the Eagles Loyalty Advantage Plan.

	Years of Eagles Membership
BENEFIT TYPE	1	2	3	4	5	6+
Accidental Death Benefit	$75,000	$90,000	$105,000	$120,000	$135,000	$150,000
Hospital Care/Daily	$150	$150	$150	$150	$150	$150
Accidental Death(Common Carrier)	$150,000	$180,000	$210,000	$240,000	$270,000	$300,000
Living Benefit	Percentage of Accidental Death benefit based on type of serious injury (see Living Benefits below)

Rates and/or benefits may be changed only on a class basis.

EAGLES LOYALTY ADVANTAGE PLAN COVERAGE OPTIONS

Individual Plan

^$56.50

Paid semi-annually

Family Plan^*

^$89.00

Paid semi-annually

* Family Plan protects at a percentage of your coverage. See "Include Your Family" below for details.

YOUR EAGLES LOYALTY ADVANTAGE PLAN INSURANCE BENEFITS FOR ACCIDENTAL DEATH WILL BE PAID: FIRST, TO YOUR SPOUSE; SECOND, EQUALLY TO YOUR CHILDREN; THIRD, TO YOUR ESTATE.
This plan pays benefits in addition to any other insurance you have, including other Eagles plans.

ELIGIBILITY AND COVERAGE EFFECTIVE DATE
As an Eagles member, you are eligible to enroll regardless of your medical history if you are at least 18 years of age and a U.S. resident. Your coverage will take effect after your enrollment form and your first premium payment are processed by the Eagles Member Insurance Program office.

BENEFITS THAT PAY CASH DIRECTLY TO YOU
All benefit checks are made payable to you - and you can use the money however it will help you most. Plus, this plan pays benefits in addition to any other insurance you have, including other Eagles plans. Benefits are paid directly to you or to anyone you designate.

SPECIALLY-ARRANGED PREMIUMS
Your specially-arranged Eagles Loyalty Advantage Plan premium rates and/or benefits cannot be changed unless the same change applies to all members insured under the master policy.

YOUR PLAN CANNOT BE TERMINATED DUE TO AGE OR HEALTH
Your coverage cannot be cancelled by the insurance company as long as you remain a member of Fraternal Order of Eagles, pay the renewal premium when due, and the Plan's Master Policy remains in effect. Dependents' coverage ceases when your coverage terminates, premiums are not paid, or the dependents are no longer eligible.

NO-COST BENEFIT AMOUNT INCREASES
Your benefit amounts are determined by the number of consecutive years you have been a member of Fraternal Order of Eagles. With each member year your benefit amounts will continue to grow with no increase in premium. Maximum protection will accrue in the sixth year.

100% SATISFACTION GUARANTEE
You'll have a full 30 days to review your Certificate of Insurance. If the coverage is not everything you hoped it would be, just return your Certificate to us for a full refund of all the premium you have paid, minus any claims paid.

LIVING BENEFITS
100% of Principal paid for loss of: Life; Both Hands; or Both Feet; or Sight of Both Eyes; or One Hand and One Foot; or Speech and Hearing in Both Ears; or Either Hand or Foot and Sight of One Eye; or Movement of Both Upper and Lower Limbs (Quadriplegia). 75% of Principal paid for loss of: Movement of Both Lower Limbs (Paraplegia); or Movement of Three Limbs (Triplegia). 50% of Principal paid for loss of: Movement of the Upper And Lower Limbs of One Side of the Body (Hemiplegia); or Either Hand or Foot; or Sight of One Eye; or Speech or Hearing in Both Ears. 25% of Principal paid for loss of: Thumb and Index Finger of Either Hand; or Movement of One Limb (Uniplegia).

INCLUDE YOUR FAMILY
With Family coverage, your spouse, who is at least 18, a U.S. Resident and not legally separated or divorced from you, is covered for 50% of the amount of your coverage if your eligible children (unmarried children under age 19, older if full-time college student, see your Certificate of Insurance for more details) are covered; or 60% if you have no eligible dependent children covered. In addition, each child has 20% of the amount of your coverage if you have a spouse, or 40% if you have no spouse. Each eligible family member's protection increases each year based on your Eagles membership years, up to year six.

DEFINITION OF INJURY
Injury means bodily injury resulting directly from a covered accident and independent of all other causes.

DEFINITION OF COMMON CARRIER
Common Carrier means a conveyance operated by a concern, other than the policyholder, organized and licensed for the transportation of passengers for hire and operated by that concern.

EXCLUSIONS
The Policy does not cover any loss caused or contributed to by: 1) intentionally self-inflicted Injury; 2) suicide or attempted suicide, whether sane or insane; 3) war or act of war, whether declared or not; 4) Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority; (We will refund the pro rata portion of any premium paid for You or Your Dependents while You or Your Dependents are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You or Your Dependents enter the armed forces); 5) Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft; 6) Injury sustained while On any aircraft: a) as a pilot, crewmember or student pilot; b) as a flight instructor or examiner; c) if it is owned, operated or leased by or on behalf of the Policyholder, or organization whose eligible persons are covered under The Policy; d) being used for tests, experimental purposes, stunt flying, racing or endurance tests; 7) Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens unless as prescribed by or administered by a Physician; 8) Injury sustained while riding or driving in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds; 9) Injury sustained while committing or attempting to commit a felony. 10) Injury sustained while Intoxicated. Intoxicated means: 1) the blood alcohol content; 2) the results of other means of testing blood alcohol level; or 3) the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred. Benefits will be paid for only one Type of Covered Accident under each Benefit payable under the Policy.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this information and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the Hartford Life and Accident Insurance Company, detail exclusions, limitations, and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE — THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.
Policy Number: ADD-13290
Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155

Fraternal Order of Eagles retains or is paid compensation directly or indirectly for services associated with this insurance program, which benefits the entire membership. Affinity Insurance Services Inc. is compensated for the placement of insurance, in addition to other compensation it may receive. AMA Insurance Agency, Inc. provides administrative services for the Eagles on behalf of The Hartford.

Customer Privacy Notice

Privacy Policy and Practices of The Hartford Financial Services Group, Inc., and its Affiliates* (herein called "we, our, and us")

This Privacy Policy applies to our United States Operations

We value your trust. We are committed to the responsible:
a) management;
b) use; and
c) protection;
of Personal Information.

This notice describes how we collect, disclose, and protect Personal Information. We collect Personal Information to:
a) service your Transactions with us; and
b) support our business functions.

We may obtain Personal Information from:
a) You;
b) your Transactions with us; and
c) third parties such as a consumer-reporting agency.

Based on the type of product or service You apply for or get from us, Personal Information such as:
a) your name;
b) your address;
c) your income;
d) your payment; or
e) your credit history;
may be gathered from sources such as applications, Transactions, and consumer reports.

To serve You and service our business, we may share certain Personal Information.

We will share Personal Information, only as allowed by law, with affiliates such as:
a) our insurance companies;
b) our employee agents;
c) our brokerage firms; and
d) our administrators.

As allowed by law, we may share Personal Financial Information with our affiliates to:
a) market our products; or
b) market our services;
to You without providing You with an option to prevent these disclosures.

We may also share Personal Information, only as allowed by law, with unaffiliated third parties including:
a) independent agents;
b) brokerage firms;
c) insurance companies;
d) administrators; and
e) service providers;
who help us serve You and service our business.

When allowed by law, we may share certain Personal Financial Information with other unaffiliated third parties who assist us by performing services or functions such as:
a) taking surveys;
b) marketing our products or services; or
c) offering financial products or services under a joint agreement between us and one or more financial institutions.

We, and third parties we partner with, may track some of the pages You visit through the use of:
a) cookies;
b) pixel tagging; or
c) other technologies;
and currently do not process or comply with any web browser's "do not track" signal or other similar mechanism that indicates a request to disable online tracking of individual users who visit our websites or use our services.

For more information, our Online Privacy Policy, which governs information we collect on our website and our affiliate websites, is available at https://www.thehartford.com/online-privacy-policy.
We will not sell or share your Personal Financial Information with anyone for purposes unrelated to our business functions without offering You the opportunity to:
a) "opt-out;" or
b) "opt-in;"
as required by law.

We only disclose Personal Health Information with:
a) your authorization; or
b) as otherwise allowed or required by law.

Our employees have access to Personal Information in the course of doing their jobs, such as:
a) underwriting policies;
b) paying claims;
c) developing new products; or
d) advising customers of our products and services.

We use manual and electronic security procedures to maintain:
a) the confidentiality; and
b) the integrity of;
Personal Information that we have. We use these procedures to guard against unauthorized access.

Some techniques we use to protect Personal Information include:
a) secured files;
b) user authentication;
c) encryption;
d) firewall technology; and
e) the use of detection software.

We are responsible for and must:
a) identify information to be protected;
b) provide an adequate level of protection for that data;
c) grant access to protected data only to those people who must use it in the performance of their job-related duties.

Employees who violate our privacy policies and procedures may be subject to discipline, which may include termination of their employment with us.

We will continue to follow our Privacy Policy regarding Personal Information even when a business relationship no longer exists between us.

As used in this Privacy Notice:

Application means your request for our product or service.

Personal Financial Information means financial information such as:
a) credit history;
b) income;
c) financial benefits; or
d) policy or claim information.

Personal Financial Information may include Social Security Numbers, Driver's license numbers, or other government-issued identification numbers, or credit, debit card, or bank account numbers.

Personal Health Information means health information such as:
a) your medical records; or
b) information about your illness, disability or injury.

Personal Information means information that identifies You personally and is not otherwise available to the public. It includes:
a) Personal Financial Information; and
b) Personal Health Information.

Transaction means your business dealings with us, such as:
a) your Application;
b) your request for us to pay a claim; and
c) your request for us to take an action on your account.

You means an individual who has given us Personal Information in conjunction with:
a) asking about;
b) applying for; or
c) obtaining;
a financial product or service from us if the product or service is used mainly for personal, family, or household purposes.

If you have any questions or comments about this privacy notice, please feel free to contact us at The Hartford – Consumer Rights and Privacy Compliance Unit, One Hartford Plaza, Mail Drop: T 04.180, Hartford, CT 06155, or at ConsumerPrivacyInquiriesMailbox@thehartford.com.

This Customer Privacy Notice is being provided on behalf of The Hartford Financial Services Group, Inc. and its affiliates (including the following as of February 2021), to the extent required by the Gramm-Leach-Bliley Act and implementing regulations:

1stAGChoice, Inc.; Access CoverageCorp, Inc.; Access CoverageCorp Technologies, Inc.; Assurances Continentales Continentale Verzekeringen N.V; Bracht, Deckers & Mackelbert N.V.; Business Management Group, Inc.; Canal Re S.A.; Cervus Claim Solutions, LLC; First State Insurance Company; FTC Resolution Company LLC; Hart Re Group L.L.C.; Hartford Accident and Indemnity Company; Hartford Administrative Services Company; Hartford Casualty General Agency, Inc.; Hartford Casualty Insurance Company; Hartford Fire General Agency, Inc.; Hartford Fire Insurance Company; Hartford Funds Distributors, LLC; Hartford Funds Management Company, LLC; Hartford Funds Management Group, Inc.; Hartford Holdings, Inc.; Hartford Insurance Company of Illinois; Hartford Insurance Company of the Midwest; Hartford Insurance Company of the Southeast; Hartford Insurance, Ltd.; Hartford Integrated Technologies, Inc.; Hartford Investment Management Company; Hartford Life and Accident Insurance Company; Hartford Lloyd’s Corporation; Hartford Lloyd’s Insurance Company; Hartford Management, Ltd.; Hartford Productivity Services LLC; Hartford of Texas General Agency, Inc.; Hartford Residual Market, L.C.C.; Hartford Specialty Insurance Services of Texas, LLC; Hartford STAG Ventures LLC; Hartford Strategic Investments, LLC; Hartford Underwriters General Agency, Inc.; Hartford Underwriters Insurance Company; Heritage Holdings, Inc.; Heritage Reinsurance Company, Ltd.; HLA LLC; HL Investment Advisors, LLC; Horizon Management Group, LLC; HRA Brokerage Services, Inc.; Lattice Strategies LLC; Maxum Casualty Insurance Company; Maxum Indemnity Company; Maxum Specialty Services Corporation; Millennium Underwriting Limited; MPC Resolution Company LLC; Navigators (Asia) Limited; Navigators Corporate Underwriters Limited; Navigators Holdings (Europe) N.V.; Navigators Holdings (UK) Limited; Navigators Insurance Company; Navigators International Insurance Company Ltd.; Navigators Management Company, Inc.; Navigators Management (UK) Limited; Navigators N.V.; Navigators Specialty Insurance Company; Navigators Underwriting Agency Limited; Navigators Underwriting Limited; New BDM NV; New England Insurance Company; New England Reinsurance Corporation; New Ocean Insurance Co., Ltd.; Nutmeg Insurance Agency, Inc.; NIC Investments (Chile) SpA; Nutmeg Insurance Company; Pacific Insurance Company, Limited; Property and Casualty Insurance Company of Hartford; Sentinel Insurance Company, Ltd.; The Navigators Group, Inc.; Trumbull Flood Management, L.L.C.; Trumbull Insurance Company; Twin City Fire Insurance Company; Y-Risk, LLC.

Revised February 2021

TERMS AND CONDITIONS

IMPORTANT – PLEASE READ THIS ENTIRE AGREEMENT CAREFULLY

You must agree to this Electronic Transactions Terms of Service and Paperless Delivery of Communications Terms and Conditions (collectively the "Agreement") in order to enter into an electronic transaction; submit documents electronically, including the electronic submission of a claim, on this website; and to receive communications from The Hartford1, its affiliated companies and/or third party service providers (collectively the "Company") electronically. Please read this Agreement carefully.

ELECTRONIC TRANSACTIONS
TERMS OF SERVICE

The Company provides materials and services located on its websites ("Website(s)" or "Site(s)") to its users, which includes, but is not limited to, insureds, prospective insureds, claimants, and producers ("Website Users"), conditioned upon and subject to acceptance of this Agreement. By using and/or accessing the Websites or their services, you, as a Website User, acknowledge that you have read, understand, and agree to be legally bound by this Agreement. You will be asked to confirm your acceptance of this Agreement as directed on this Website.

1. Disclosures & Consent to Electronic Transactions / Electronic Signature
a. By entering the Websites and agreeing to be bound by this Agreement, you are providing your affirmative consent to the use of an electronic signature to submit a claim, application, or other document in electronic form. You understand and agree that the Company will rely on your electronic signature to process the document you submit.
b. Once you have given consent for an electronic transaction, you may withdraw your consent only if the Company has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact the Company by calling the number under Contact Us on thehartford.com. If the electronic transaction involves the submission of a claim, you may also contact your claim office. There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If the electronic transaction involves the submission of a claim and you withdraw consent after your claim has been submitted, your electronically submitted claim will still remain in effect unless the Company receives notice to withdraw or cancel the claim submission.

2. Additional Disclosures
a. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to alternative methods of submission, such as by paper or telephone. By entering the Websites and agreeing to be bound by this Agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to use an alternative method of submission, please contact the Company. There is no charge to you for alternative methods of submission.
b. You agree that your electronic signature authorizes the Company:
(1) to process the information you submitted at your request and any future transactions that may be needed in relation to your submission. The Company will rely on your electronic signature as authorization to process the document submitted through the Websites.
(2) to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.

3. Additional Disclosures specific to Claims Submissions
a. When you have successfully entered and submitted your claim information on the Website confirmation page, you will be given the opportunity to print a paper copy of your claim submission free of charge. Please print a paper copy of the confirmation page verifying your claim information for your records. You will not be able to access your confirmation page or the claim information you entered on the Website after you submit it. You may, however, check the status of your claim through the Website after you submit it.
b. You understand and agree that to access the Website to view the status of your claim at any time you will need the following hardware and software: Microsoft Windows or Macintosh compatible computer, Internet access, an Internet Browser (Internet Explorer version 5.5 or higher or Netscape 7.0 or higher). After you submit your claim through the Website, you understand and agree that you will not have access to your electronic confirmation page or the claim information you submitted. You may print a confirmation of your claim at the time of submission.

4. Miscellaneous Terms and Conditions
a. The Company provides information and services on its Websites, and all layouts, materials, designs, and images on the Websites are copyrighted or proprietary to the Company. As a condition of your use of the Websites and their services, you agree that you will not use the contents of the Websites in any other website or in a network computer environment. All uses of the Websites apart from your educational, informational and enrollment purposes are strictly prohibited.
b. In addition, as a further condition of your use of the Websites and their services, you agree that you will not use the Websites or services to infringe the intellectual property rights of the Company in any way; use the Websites or services to modify or manipulate the Websites or services or any of the Company’s hardware or software to invade the privacy of, or obtain private information concerning any Website User of the Company, or to erase or damage any information contained on the computer or any user connected to the Websites or the services, or to reveal any portion of the Websites or the services. Furthermore, you agree that you will not use the Websites or services to introduce viruses, worms, Trojan horses or other destructive or harmful codes, and you agree that you will take every precaution not to introduce these harmful codes into the Websites and services.
c. You agree that the materials and services on the Websites are provided "as is" and for informational purposes only. You understand that the Company makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on the Websites was believed to be accurate at the time it was placed on the Websites. The Company periodically updates the information on the Websites, but disclaims any responsibility to do so. Therefore, you understand and agree that the Company takes no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that the Company disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or non-infringement of other’s rights.
d. You understand and agree that the Company is not engaged in rendering legal, tax, insurance benefits or any other advice through the Websites or services. Your insurance needs are highly individual, and the Company does not represent itself as giving financial advice or advice on your insurance needs through the Websites and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.
e. You understand and agree that the information on the Company’s insurance products as described in the Websites is not complete and does not change or affect the insurance policies as actually issued. You understand that only the insurance policy issued to the policyholder can fully describe all of the provisions, terms, conditions, limitations and exclusions of your coverage. In the event of any difference between the information on the Websites and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply. For insurance, complete coverage information is found in the Certificate of Insurance.
f. If the electronic transaction involves the submission of a claim, you understand and agree that your claim for benefits will not be valid if you are not eligible for benefits in accordance with the terms of the policy.
g. If the electronic transaction involves the submission of a claim and you choose not to accept the terms of this Agreement, your claim will not be submitted and will not be valid. You may return to the Website to submit a claim at any time within the applicable time frames for submitting a claim as outlined in the policy.
h. You acknowledge that you have received and read The Hartford’s Privacy Policy and Legal Notice.
¹The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries.

PAPERLESS DELIVERY OF COMMUNICATIONS
TERMS AND CONDITIONS

1. By consenting to receive communications from the Company electronically, you are agreeing that documents and official notices that we are required to send to you may be sent only in electronic form and no longer be sent in paper form. You agree these paperless communications are the legal equivalent of officially required communications relating to your policy or claim which you would otherwise receive in paper form. You agree to receive such mailings and communications electronically. These communications may include policy declarations or claim documents and related forms, cancellation or nonrenewal notices, insurance ID cards, legally required notices, and other official correspondence as these communications become available for electronic delivery. You agree that your consent to receive mailings and communications electronically remains in effect after a policy modification or renewal. Not all documents are currently available for electronic delivery. Those that are not available will continue to be sent to you by U.S. mail. As new documents become available for electronic delivery, the Company may send them electronically based on your consent preference choices.

2. You may at any time, request that we resume communications through the delivery of paper documents. You will not be charged a fee for this request. You may make such request by contacting our Call Center or by visiting Contact Us to obtain the correct contact information. Upon receipt of your request to receive communications in a paper form, the change is typically effective during the policy term, within 10 business days.

3. You agree to provide us with your current email address so we can send you notices via email and notify you that documents are available for your review. You also agree to update your account and notify us of any change in your email address. You can make such a change by visiting our website and changing the preferences on your account or by contacting our Call Center via phone at the number listed in the Contact Us link of thehartford.com. You agree to be responsible for the consequences of your failure to provide us with your current email address, such as late fees or as otherwise provided by law. In the event of your failure to maintain a valid email address and any resulting inability to deliver official communications to you via email, we will presume that you have withdrawn consent to receive communications by electronic means and will begin to send these communications to you in paper form during the policy term until we obtain a corrected email address.

4. You may request a paper copy of an official notice sent to you, or of your policy documents. There is no fee to request such copies. You may make such request by contacting our Call Center via phone at the number listed in the Contact Us link on thehartford.com.

5. SYSTEM REQUIREMENTS: You acknowledge and agree that you have sufficient access to a privately owned computer and email system (as opposed to one with limited access, such as those housed in public libraries) that will: Permit you to access, view, and print the communications we will send; permit you to receive emails that contain hyperlinks to websites; and permit you to access websites. The following system requirements are necessary for you to receive and view these communications: You must have one of the two most recent versions of Adobe Reader. Download the current version of Adobe Reader by either clicking the Get Adobe Reader graphic on the Viewing Test screen within the enrollment process or download it from the Adobe website at www.adobe.com. Online documents are supported on the two most recent versions of Microsoft Internet Explorer, Mozilla Firefox, and Google Chrome.

Please read the following legal notices carefully. Your use of this web site constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information. Additional legal notices regarding specific products, services, as well as conditions, restrictions or disclosures may be described on additional websites of The Hartford Financial Services Group, Inc.

The Hartford Financial Services Group, Inc.
The Hartford Financial Services Group, Inc. ("The Hartford") is a financial holding company for a group of insurance and non-insurance subsidiaries (collectively referred to as "subsidiaries") that provide property and casualty, group benefits and investment products to both individual and business customers in the United States and continues to administer life and annuity products previously sold.

Trademarks/Copyrights
The Hartford,® the Stag logo, and combinations of the foregoing and all other trademarks, service marks, trade names, logos and icons, registered or not, are the property of Hartford Fire Insurance Company and certain subsidiaries of The Hartford, or third parties which may be indicated. Other materials, including video, sound recordings, and images, on this web site are a copyright of or proprietary to The Hartford or are used with the consent of the owner.

The contents of this site are protected by copyright, trademark or other intellectual property laws of the U.S. or, in some instances, foreign laws. Unauthorized use may violate copyright, trademark and other laws.

You may copy or print materials of The Hartford from this site limited solely for your noncommercial, personal use unless otherwise indicated. You must retain any and all proprietary or copyright notices. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the contents of this web site for any public or commercial purpose except with the prior written consent of The Hartford or the owners of the materials. You may not use the contents in any other web site or in a network computer environment.

Links
Links from this site to an external site, unaffiliated with The Hartford, may be provided for users' convenience only. The Hartford does not control or review these sites nor does the provision of any link imply an endorsement or association of such non-Hartford sites. The Hartford is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy or security of any materials on such sites. If you decide to access such non-Hartford sites, you do so at your own risk.

Disclaimer
The materials and services on this web site are provided "as is" and for information purposes only. The Hartford and its licensors make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes.

The Hartford and its licensors disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose or noninfringement of other's rights. The Hartford does not warrant that the web site will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. The Hartford makes no representation or warranty that all products and services are available in all locations.

Limitation of Liability
In no event shall The Hartford or its licensors be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this web site or the materials or services provided on this web site or the products or services received from this web site. Exemptions of implied warranties may not be allowed in all jurisdictions.

Governing Laws/Severability of Provisions
This web site and the agreement shall be governed by the laws of the State of Connecticut without giving effect to any principles of conflict of laws. If any provision or provisions of this agreement shall be held to be invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or be impaired thereby. You agree that any dispute between you and The Hartford arising from your use of this web site shall be brought exclusively in the state or federal courts of competent jurisdiction in Connecticut.