Electronic Services and Document Delivery Agreement

Establishing an online account

For Personal Users

You understand that by accepting this Agreement, you authorize Nationwide to establish an online account for you with the access capability and privileges to manage your Nationwide accounts, policies, or other products sold or provided by Nationwide and perform financial transactions as available. You represent that you are the person registered as the owner of this online account and you acknowledge that you are the only person permitted to use your unique username and password to access your online account. You represent that you have authority to give instructions and authorize transactions with respect to your Nationwide products, including general authority over changes to your personal information, movement of funds, contract changes, purchase of products or services, changes to your current or past product or service, or any other online transaction facilitated or permitted by the use of a Nationwide Website. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or users identified with your Nationwide products to perform the above listed transactions. You understand that by consenting to this Agreement, Nationwide has full authorization from you to rely and act upon any instructions received from you without further inquiry.

Nationwide is not responsible for errors or failures caused by any malfunction of your computer, browser, or software. Nationwide is also not responsible for computer viruses or related problems associated with the use of an online system, or any delay or failure in connection with your receipt of email notices.

Although there is no charge for the services covered by this Agreement, there may be costs associated with electronic access to the documents, such as usage charges from internet service providers and telephone companies. These costs are your responsibility.

Nationwide reserves the right to modify or discontinue the services covered by this Agreement or modify the terms of this Agreement at any time and for any reason. You understand and agree that your continued use or access of Nationwide’s electronic services after any modifications are made to this Agreement signifies your acceptance of the updated or modified Agreement. We will notify you of material changes to this Agreement by either sending a notice to the email address you provide to us or by posting a notice on a Nationwide Website. Be sure to return to the Nationwide Websites periodically to review the most current version of this Agreement.

For Commercial Users

You understand by accepting this Agreement, you affirm that you are authorized on behalf of the First Named Insured to authorize Nationwide to establish an online account for the organization with the access capability and privileges to manage the organization’s accounts, policies, or other products sold or provided by Nationwide and perform financial transactions as available. You further represent that you have the First Named Insured’s authority to give instructions and authorize transactions with respect to its insurance and financial products included in the account, including general authority over changes to its movement of funds, contract changes, purchase of products or services, changes to its current or past product or service, or any other online transaction facilitated or permitted by the use of a Nationwide Website. You understand that by consenting to this Agreement, you affirm that you are authorized on behalf of the First Named Insured to give Nationwide full authorization to rely and act upon any instructions received from you without further inquiry.

Nationwide is not responsible for errors or failures caused by any malfunction of your computer, browser, or software. Nationwide is also not responsible for computer viruses or related problems associated with the use of an online system, or any delay or failure in connection with your receipt of email notices.

Although there is no charge for the services covered by this Agreement, there may be costs associated with electronic access to the documents, such as usage charges from internet service providers and telephone companies. These costs are your responsibility.

Nationwide reserves the right to modify or discontinue the services covered by this Agreement or modify the terms of this Agreement at any time and for any reason. You understand and agree that your continued use or access of Nationwide’s electronic services after any modifications are made to this Agreement signifies your acceptance of the updated or modified Agreement. We will notify you of material changes to this Agreement by either sending a notice to the email address you provide to us or by posting a notice on a Nationwide Website. Be sure to return to the Nationwide Websites periodically to review the most current version of this Agreement.

Your Consent to Use Electronic Signatures and Receive Electronic Documents

One way that we transact business online is by allowing you to opt-in for the electronic delivery of specific documents. As part of transacting business with us, some information is required to be delivered to you “in writing.” This generally means that you are entitled to receive it on paper. However, with your consent, we may provide this information to you electronically by delivering it to your account on a Nationwide Website or by delivering it to your email address (“Electronic Delivery”). We also need your prior consent in order to use your electronic signature in lieu of using your “wet” traditional written

Your Consent to Use Electronic Signatures

By choosing to transact business with Nationwide electronically, you agree to use electronic signatures which shall have the same force and effect as your written signature. Electronic signatures may take various forms on Nationwide Websites, including checking a box.

Your Consent to Receive Covered Documents Electronically

You consent to receive the following documents that may arise during your relationship with Nationwide (collectively, the “Covered Documents”) electronically through your account on a Nationwide Website or your email address, instead of in paper format through U.S. Mail:

• Account Related Documents including, but not limited to, insurance applications and application materials, policy documents, disclosures, policy-related notices (e.g., notice of premium increase, notice of renewal, notice of conditional renewal, notice of nonrenewal, notice of cancellation and notice of change in terms or conditions), prospectuses, statements, and other documents as permitted by law;
• Billing Documents including, but not limited to, bills, billing statements, payment receipts, disclosures, notices and other documents as permitted by law;
• Information applicable to your use of Nationwide Websites such as quotes, claims documents, updates, notifications, transaction receipts, documents requiring your signature, information that you request or any other documents related to your use of Nationwide Websites
• Any other documents permitted or required by law.

Your consent does not mean that Nationwide must provide the Covered Documents electronically. Nationwide may, at its discretion, provide the Covered Documents through non-electronic means.

Your consent for Nationwide to use your electronic signature and to receive the Covered Documents electronically applies to all Nationwide products you currently own and all products you may purchase from Nationwide in the future and continues after a policy modification or renewal. Your consent to receive documents electronically does not mean that all Covered Documents will be delivered to you electronically.

Accepting this agreement will not automatically change the manner in which you currently receive communications from Nationwide. In order to activate and manage Electronic Delivery for specific documents, you may have to take additional steps on the Nationwide Websites, such as selecting which documents you would like electronically delivered to you on the Preferences Page.

Covered Documents will not be available online indefinitely. Please save the documents to your computer or print them off to retain copies for your records.

Your Right to Revoke Your Consent at Any Time

If you would like to change the delivery method for certain types of documents or accounts, this may be done by changing your delivery preferences on the applicable Nationwide Website. Changing your delivery preferences does NOT revoke your consent to receive all documents electronically, nor does it revoke your consent to any other part of this Agreement.

However, if you would like to revoke your consent to receive ALL Covered Documents electronically, you may only do so by deleting your online accounts. This may be done by calling the Nationwide Support Center at 1-877-304-1065 and requesting your online accounts be deleted. Revoking your consent to the Electronic Delivery of the Covered Documents will terminate all of your online accounts on Nationwide Websites and may cause you to lose any relevant discounts related to the Electronic Delivery of documents, but will not terminate your relationship with Nationwide unless additional notice is given. The revocation of your consent will take effect within a reasonable time of the Nationwide Service Center receiving your email or as otherwise required by law.

Your Right to Obtain Paper Copies

You may obtain paper copies of the Covered Documents at no additional cost. To request paper copies please contact the Nationwide Service Center at 1-877-669-6877. Please be assured that requesting a paper copy in no way withdraws your consent to this Agreement or changes your election to continue to receive the Covered Documents electronically.

Your Responsibility to Provide Us with a Valid and Active Email Address

It is your responsibility to provide us with a valid and active email address. You may update your email address and other contact information by logging in to www.Nationwide.com or by contacting the Nationwide Service Center at 1-877-669-6877.

E-mails returned as undeliverable may result in a suspension of Electronic Delivery of the Covered Documents. In the event of such a suspension, paper copies of the Covered Documents will be sent to you through U.S. mail at the last address you have provided. It is your responsibility to provide us with an updated mailing address.

System Requirements

To receive, access, and reply to the applicable Covered Documents you will need:

• A personal computer or other access device which is capable of accessing the Internet;
• An Internet web browser which is capable of supporting 128-bit SSL encrypted communications;
• Software which permits you to receive and access Portable Document Format or (“PDF”) files
• The ability to download or print agreements and disclosures.

Some states may require insurance documents to be displayed in a particular font size. To ensure that communications are displayed at the correct font size for your state, please make sure that the view size setting for the communications is set to 100% and your browser resolution is 800 x 600.

In order to retain the Covered Documents your system must have the ability to:

• Download and save files to your hard disk drive
• Print PDF files, or print Web pages and embedded HTML files.

Your consent confirms that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account.

Enrollment with Our Equipment

If you elect to receive the Covered Documents through one of our customer service representatives or by using our equipment, your enrollment may not be complete until you perform an additional action. At the time of your enrollment, we will advise you if you must perform any additional action in order to consent to this Agreement. If you perform the required additional action, this action will constitute your affirmative consent to this Agreement.

State Specific Provisions

Residents of Georgia Only

You consent to the following: I AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY. SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELLATION OR NONRENEWAL NOTICES.

Residents of Kentucky and Tennessee Only

By consenting to this Agreement, you, the policyholder, elect to allow for policies, notices and communications to be sent to the electronic mail address provided by you and you should be aware that this election operates as consent by you for all notices to be sent electronically, including notice of nonrenewal and cancellation. Therefore, you, the policyholder, should be diligent in updating the electronic mail address provided to Nationwide in the event that the address should change.

Limitation of Liability

Nationwide’s liabilities

In no event will Nationwide, its respective service providers, employees, agents, officers and directors be liable to you for any punitive, indirect, direct, special, incidental or consequential damages. This includes any lost profits, costs of obtaining substitute service or lost opportunity, even if you’ve notified Nationwide about the possibility of such damages. This also includes any claims by any third parties arising out of (or in any way related to) the access, use or information and other materials present on the Site (“Content”) or a linked website. This applies whether such claims are brought under any theory of law or equity. This limitation on liability includes (but is not limited to) transmission of viruses that infects a user's equipment, mechanic or electronic equipment failure, failure of communication lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes or other labor problems, or any force majeure.

Your liabilities

Nationwide has the right to deny you access and use of the Site and its Content if you violate (as Nationwide may determine in its sole and absolute discretion) any provision of the Nationwide.com Terms and Conditions. Nationwide reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold Nationwide harmless from any claim or demand (including reasonable attorneys' fees) made by a third party in connection with (or arising out of your access to, or use of) the Site or any of its Content in a manner other than as expressly authorized by the Nationwide.com Terms and Conditions. This includes your breach of the Nationwide.com Terms and Conditions, or your violation of applicable laws or any rights of any third party.

Legal Effect

By signing this Agreement, you agree to the terms and conditions herein, and acknowledge and agree that your consent is provided and/or obtained in connection with a transaction affecting interstate commerce subject to the Electronic Signatures in Global and National Commerce Act and the Uniform Electronic Transactions Act, or a similar electronic transactions law, as adopted by state law. You further agree that:

• The Covered Documents made available to you on a Nationwide Website or delivered to your email address shall have the same meaning and effect as if you were provided a paper document, whether or not you choose to view the document(s), unless you previously withdrew your consent to receive documents by electronic means in accordance with this Agreement.
• The Covered Documents are considered received by you when Nationwide sends the electronic notification to the email address you provide unless Nationwide receives notice that the email notification was not delivered to you at the email address you provided.
• With respect to electronic Billing Documents, delays experienced due to the use of this service will not change any payment due date or the potential imposition of late fees. If you do not receive an anticipated e-mail notice, log on to www.Nationwide.com for up-to-date information about your account(s).

Except to the extent otherwise set forth in the Agreement or any other Nationwide agreement applicable to other portions of Nationwide Websites, this Agreement sets forth the entire understanding between Nationwide and you with respect to your access to, and use of, Nationwide Websites and supersedes all prior or contemporaneous understandings regarding access and use

Any provision of this Agreement that shall be proven unenforceable under any law or regulation shall not affect the validity or enforceability of any other provision of this Agreement.

This Agreement and any dispute arising from this Agreement, or the subject matter hereof, shall be governed by the laws of the United States and the State of Ohio.

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