ACKNOWLEDGEMENT AND CONSENT FOR ELECTRONIC SIGNATURES, DISCLOSURES AND NOTICES

Please read the following information carefully. By proceeding forward and signing this document by clicking “I Agree” below this document, you are agreeing that you have reviewed the following disclosure and consent to conduct business using electronic communications, to receive any document or communication electronically, and to utilize your electronic signature in lieu of signing paper documents. As used in this disclosure, “document(s) or communication(s)” means any agreement, authorization, disclosure, notice, or other document related to business you transact with O’SHAUGHNAHILL SURETY & INSURANCE, INC. (“OSI”) including but not limited to any document or communication that we are required by law to provide you in writing.

Your Consent to Use Electronic Signature and Electronic Delivery of Documents or Communications.

By clicking “I Agree” at the bottom of this page, you consent to use your electronic signature to sign any document or communication and to receive electronic delivery of any document or communication. You understand that your electronic signature is legally binding, just as if you had signed a paper document. If you do not click “I Agree”, you may not proceed to transact business via OSI’s online agent platform and must transact business with OSI via paper documents.

Method of Providing Documents and Communications to You in Electronic Form.

All documents or communications may be viewed electronically on this website and saved by:

• Printing paper copies

• Downloading and saving electronic copies

• Storing the hyperlink on your computer.

In addition, we may deliver documents or communications to you by any of the following methods: (a) by sending a notice to an email address you have provided us and making the document or communication available to you through the OSI online agent platform; or (b) by sending the document or communication to an email address you have provided us; or (c) any other electronic means we have mutually agreed upon. Delivery of electronic documents or communications by any of these methods will be considered “in writing” and you intend that the electronic documents or communications have the same legal effect as written and signed paper documents or communications.

Your Right to Receive Paper Copies

You may obtain a copy of any document or communication in paper form in addition to your access to the document or communication in electronic form at any time upon request by contacting OSI at [email protected] .

Your Right to Withdraw Your Consent

You have the right to withdraw your consent to have a document or communication made available to you in electronic form at any time. You may withdraw your consent to receive a document or communication electronically at any time. If you wish to do so, please notify us in writing to OSI at 428 S. Congress Avenue, West Palm Beach, Florida 33406 or via email at [email protected] and provide your name, mailing address, daytime telephone number, and a description of the document or communication from which you are withdrawing your consent.

Hardware and Software Requirements

To use electronic signatures and to receive and save any document or communication electronically, you must have:

A computer, mobile device, or other electronic device with internet access and

• A secure internet browser with 128 – bit encryption;

• A program that reads and displays PDF files such as Adobe Acrobat Reader; and

• An active email address.

To print and save your document or communication in electronic form using your computer, you will need:

• A Printer (to print paper copies); and

• A hard drive or other storage device (to download and save electronic copies).

To print and save your document or communication in electronic form using your mobile or electronic device, you will need:

• A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and

• An electronic device capable of taking a screen shot that can be printed (to save electronic copies).

Changes to Hardware and /or Software Requirements

You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a document or communication.

You Must Keep your Email Address and/or Mobile Phone Number Current.

You are responsible for informing OSI of any change in your email address or mobile phone number. You can update your contact information by contacting OSI at [email protected] .

Consent

You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "Act"), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

By clicking the “I Agree” button, you (i) agree that your use of electronic sounds, symbols or processes provided by us to establish your acceptance of or agreement to the terms and conditions of all documents exchanged between you and OSI constitutes your electronic signature and signifies your intent to be bound, (ii) consent to receive an electronic record of all documents in lieu of a hard or paper copy or version thereof (iii) acknowledge and demonstrate your ability to access electronically this notice, and documents provided by OSI and your satisfaction of the software and hardware requirements described above, (iv) confirm and represent that you, in fact, have accessed and are able to view, save and print any electronic documents made available to you.

You further agree by affixing your electronic signature to any document, that you have fully read, understand, and agree to the terms and conditions of such document(s) that you have electronically signed.