This document validates your consent for Universal Group to provide disclosures, information, and documents to you electronically. You acknowledge and agree that you provide your consent to transact insurance business using electronic communications to receive notices and disclosures electronically and to use electronic signatures instead of paper documents. You are not obligated or required to transact business with us electronically. If after you have provided your consent, you decide that you no longer wish to use or receive documents electronically, you may withdraw your consent at any time by email ebusiness@universalpr.com.  If you have any questions or concerns regarding the use of electronic transactions by Universal Group, Inc. please access the Agreement to Conduct Electronic Transactions below.