PLEASE READ THESE TERMS AND CONDITIONS OF ACCESS ("TERMS") BEFORE ACCESSING THE MEMORANDUM OF INSURANCE.

By selecting the "I Accept" button below, you signify your acceptance of these TERMS. From time to time, Hylant Group and/or its subsidiaries, as applicable ("Hylant Group") may modify these TERMS. Accordingly, please continue to review the TERMS whenever accessing the Memorandum of Insurance. If, at any time, you do not wish to accept these TERMS, you may not use the Site.

1. User Assent to Terms and Conditions of Site. You represent that you have read and agree to be bound by these TERMS. You further agree to comply with all applicable laws regarding the transmission of any data obtained from this Site and not to use this Site for illegal purposes.

2. Intellectual Property. The Memorandum of Insurance is protected property of Hylant Group.

3. Restrictions on Use. You agree to use this Site solely for the use and benefit of your own organization, and not for resale or other transfer to, or use by or for the benefit of, any other person or entity. You may download material from this site and/or make print copies for use within your organization, provided that all copies retain all copyright and other proprietary notices, that you do not modify the Memorandum of Insurance or other material in any way, and that you do not distribute any copies outside your organization. You may not use any of Hylant Group's names or marks in any manner that creates the impression such names or marks belong to or are associated with you or imply any endorsement by Hylant Group, and you acknowledge that you have no ownership rights in and to any of these names or marks. You will not use this Site, the information contained therein or any of Hylant Group's names or marks in unsolicited mailings or spam material. You may not link directly to the Memorandum of Insurance ("deep link") or bring up or present the Memorandum of Insurance or other content of this site within another web site ("frame").

4. License. You acquire no rights or licenses in or to this Site and materials contained therein other than the limited right to utilize the Site in accordance with these TERMS.

5. Rights Reserved. All present and future rights in and title to this Site (including the right to exploit the Site and any portions of the Site over any present or future technology) are reserved to Hylant Group.

6. Disclaimer and Limitation of Liability. You agree that your use of this Site is at your sole risk and acknowledge that this Site and anything contained therein, including, but not limited to the Memorandum of Insurance are provided "AS IS" and that Hylant Group makes no warranty or representation of any kind, express or implied, including, but not limited to, merchantability, or fitness for a particular purpose or use. Hylant Group does not warrant that the Site is compatible with your equipment.

7. Limitation of Liability. HYLANT GROUP, SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES EVEN IF AN AUTHORIZED REPRESENTATIVE OF HYLANT GROUP HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING FROM USE OF OR INABILITY TO USE THIS SITE OR ANY ITEMS ON THE SITE OR ANY PROVISION OF THE TERMS. (Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages.)

8. Representations and Warranties. You represent, warrant and covenant that you: (i) have the power and authority to enter into this agreement; (ii) shall use this Site only as set forth in these TERMS.

9. Indemnification. You agree to indemnify, defend and hold harmless Hylant Group and its employees, representatives, and agents, against any claim, suit, action or other proceeding, to the extent based on or arising in connection with your use of this Site, including, but not limited to: (i) your use or someone using your computer's use of this Site; (ii) a violation of the TERMS by you or anyone using your computer; (iii) any deletions, additions, insertions or alterations to, or any unauthorized use of, the Memorandum of Insurance or the Site by you or someone using your computer; or (iv) any misrepresentation or breach of representation, warranty or covenant made by you contained herein. You agree to pay any and all costs, damages and expenses (including reasonable attorneys' fees) and costs awarded against or incurred by or in connection with or arising from any such claim, suit, action or proceeding.

10. Governing Law. These TERMS shall be governed and construed in accordance with the laws of the State of Ohio, without giving effect to conflicts-of-law principles thereof.

11. Access Outside the United States. If you choose to access the Site from outside the United States, you are responsible for compliance with foreign and local laws.