ELECTRONIC SIGNATURE & ELECTRONIC COMMUNICATIONS CONSENT AGREEMENT

Effective Date: 05-15-2025

This Electronic Signature & Electronic Communications Consent Agreement (“Agreement”) explains how EternaTrust Insurance Group LLC (“EternaTrust,” “we,” “our”) delivers documents and obtains electronic signatures when you (“you,” “user,” “applicant,” “customer”) access our website, submit information, complete forms, or apply for insurance.

By submitting information through our website or clicking any button labeled “Submit,” “Continue,” “Agree,” “I Consent,” or similar, you agree to this Agreement.

1PURPOSE OF THIS AGREEMENT

This Agreement ensures:

• You can receive important information electronically
• You understand your rights regarding electronic delivery
• Your e-signatures are legally binding
• EternaTrust may use digital channels to communicate with you

This Agreement follows the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state laws.

2CONSENT TO ELECTRONIC SIGNATURES

By interacting with our digital forms, you consent that:

• Your electronic signature has the same legal effect as a handwritten signature
• You intend to sign the documents you submit
• EternaTrust, ETI Services LLC, and EternaSure Insurance Services may accept your electronic signatures
• Carriers (including TruStage Insurance Company) may rely on electronically signed applications

Electronic signatures include:

• Typing your name
• Clicking submit buttons
• Checking acknowledgment boxes
• Using digital signature tools
• Uploading a signature attachment

All forms of electronic signatures are legally binding.

3CONSENT TO ELECTRONIC DELIVERY OF DOCUMENTS

You consent to receive the following electronically:

• Insurance applications
• Policy documents
• Disclosures & notices
• Customer communications
• Records of transactions
• Privacy notices
• State-required forms
• Copies of submitted forms
• Underwriting requests
• Payment notices
• Renewal notices
• Compliance disclosures
• TCPA communications

Documents may be delivered via:

• Email
• Text links
• Download pages
• EternaSync portal
• Browser windows/pop-ups
• Secure file delivery tools

4CONSENT TO ELECTRONIC COMMUNICATIONS

You agree that EternaTrust may communicate with you electronically through:

• Email
• SMS/text
• Automated messages
• Phone calls
• Secure digital messaging
• Application portals

These communications may relate to:

• Insurance quotes
• Application updates
• Document requests
• Identity verification
• Customer service
• Underwriting updates
• Policy notices

You may withdraw consent at any time.

5WITHDRAWING CONSENT

You may withdraw consent to electronic communications by contacting us at:

• Email: __________________________
• Phone: __________________________

If you withdraw consent:

• We may provide required documents by mail
• Processing may be delayed
• Applications may not be completed electronically
• Some services may no longer be available digitally

Withdrawal does NOT impact:

• Validity of actions taken before withdrawal
• Stored electronic signatures
• Completed applications

6RIGHT TO RECEIVE PAPER COPIES

You have the right to request paper copies of:

• Any electronically delivered document
• Signed applications
• Disclosures
• Policy materials (except those delivered by the carrier)

To request paper copies:

• Email: __________________________
• Phone: __________________________

Fees: EternaTrust does not charge for paper copies.

7HARDWARE & SOFTWARE REQUIREMENTS

To access electronic documents, you must have:

• A computer or mobile device
• A modern web browser (Chrome, Safari, Firefox, Edge)
• Access to the internet
• A valid email address
• Ability to open PDFs
• Ability to save or print documents

If your technology fails to meet requirements, paper delivery may be necessary.

8DUTY TO UPDATE CONTACT INFORMATION

You agree to:

• Maintain a working email address
• Update EternaTrust if your contact information changes
• Ensure messages from EternaTrust are not blocked or filtered

We are not responsible for failed delivery due to outdated or incorrect contact details.

9CARRIER-SPECIFIC E-SIGN REQUIREMENTS

TruStage Insurance Company and other carriers may require:

• Additional identity verification
• Signature authentication
• Confirmation emails
• Two-step verification
• Review and acknowledgment steps

By applying electronically, you consent to these processes.

10RECORD RETENTION

EternaTrust may maintain:

• Electronic copies of your applications
• Audit trails
• Signature timestamps
• Contact logs
• Communication records

These records are treated as legally valid and binding.

11NO OBLIGATION TO USE ELECTRONIC SIGNATURES

You may request to complete your application offline:

• By phone
• By paper form
• Through physical mail

However, using electronic signatures speeds up processing.

12LEGAL EFFECT

Your electronic signature represents that:

• You reviewed and understood the document being signed
• You agree to the terms presented
• You intend to sign electronically
• You authorize EternaTrust to proceed with the application process

Your electronic signature has the same force and effect as a handwritten signature.

13CHANGES TO THIS AGREEMENT

EternaTrust may update this Agreement.

Updates are effective when posted on our website.

14CONTACT INFORMATION

For questions about electronic signatures or communications:

EternaTrust Insurance Group LLC