INTRODUCTION

Your access and use of this Web Site is subject to the following Terms of Use, as well as all applicable laws and regulations. Please
read these terms carefully. If you do not accept and agree to be bound by any of the terms or conditions provided in these Terms of
Use, you are not authorized to access or otherwise use this Web Site. Your access to and use of this Web Site constitute your
acceptance of and agreement to abide by each of the terms and conditions set forth below. This Web Site is owned, operated and controlled by Samsung Fire & Marine Insurance Co., Ltd. (U.S. Branch) ("SFMI"). The contents
of this Web Site, as well as the products and/or services as described on this Web Site, may be changed, modified, supplemented or
updated at any time, for any reason and without notice. These Terms of Use may also be changed, modified, supplemented or
updated by SFM without advance notice. You are encouraged to review this Web Site periodically for updates and changes. This Web Site is directed to those individuals and entities located in the United States. The information contained on this Web Site is
not for use within any country or jurisdiction or by any person where such use would constitute a violation of the law. Additionally, not
all of the products and services described on this Web Site are available in all geographic areas of the United States. This Web Site
provides a general description of certain types of insurance products, coverage and services available through SFMI.
These descriptions are not part of an insurance contract or policy and do not amend, revise or alter the terms of any policy issued
through or services provided by SFMI.

SCOPE OF USE

SFMI hereby authorizes you to view, use, copy for your records and download small portions of the contents of this Web Site
(including without limitation text, graphics, software, audio and video files and photo) for your informational, non-commercial use.
This Web Site or any portion of this Web Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited
for any commercial purpose without the express written consent of SFMI. Non-U.S. affiliates of SFM that are not licensed or otherwise authorized to conduct business in the United States do not engage in or
transact any business in the United States through this Web Site or otherwise. In certain countries, non-U.S. clients and their
representatives may be able to transact insurance with non-U.S. SFM affiliates through web sites that are accessible
through this Web Site. SFMI does not monitor and is not responsible for the content found on other web sites that are linked from this Web Site.
SFMI assumes no responsibility or liability for the content of any linked web sites. Before entering any linked web site, you should
review and understand that web site's terms of use, including its privacy policy. No individual or entity may link to this Web Site
without SFM's express permission. Except as expressly stated herein, the information contained on this Web Site is not an offer or solicitation to sell any insurance
product, or other product or service by SFM. No insurance product or other product or service is offered or will be sold by SFMI or,
if sold by SFMI, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the
insurance or other laws of such jurisdiction. Please contact a designated SFMI representative or your broker to find out which
products and/or services are available to you in your jurisdiction. This Web Site may provide certain summary descriptions or other helpful information regarding products and services offered by
SFMI. SFM strives to be as accurate as possible; however, any such materials are intended to generally describe the products and
services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement
to which they refer. SFMI makes no warranty or guaranty about the accuracy, completeness, or adequacy of the information contained in or linked
to this Web Site or any other web site maintained by SFMI.

RESTRICTIONS

Except as otherwise expressly stated, all content appearing on this Web Site are the copyrighted work of SFMI and are protected by
U.S. and international copyright laws. All other trademarks, service marks, product names, company names or logos, whether
registered or not, on this Web Site are the property of their respective owners. You agree that you will not use any such trademarks,
service marks, or other logos from this Web Site without the prior written consent of SFMI. Any use or attempted use of this Web Site in the following manner is strictly prohibited: (i) for any unlawful, unauthorized, fraudulent
or malicious purpose, (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server,
(iii) to interfere with any other party's use and enjoyment of this Web Site, (iv) to gain unauthorized access to any other accounts,
computer systems or networks connected to any server or systems through hacking, password mining or any other means,
(v) to access systems, data or information not intended by SFMI to be made accessible to a user, (vi) to obtain any materials or
information through any means not intentionally made available by SFMI, or (vii) for any use other than the business purpose for
which this Web Site was intended. SFM reserves the right to take whatever lawful actions it may deem appropriate in response to
actual or suspected violations of the foregoing. This Web Site is controlled and operated by SFMI from offices within the United States of America. We make no representation that
materials contained on this Web Site are appropriate or available for use outside the United States or that access to the content from
all countries and/or territories is legal. If you access this Web Site from locations outside the United States, you are responsible for
compliance with all applicable laws and regulations.

WARRANTY

YOUR USE OF THIS WEB SITE IS AT YOUR OWN RISK. ALL CONTENT IS PROVIDED ON AN "AS IS" OR "AS AVAILABLE"
BASIS, AND SFM EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
PURPOSE. SFM MAKES NO WARRANTY THAT THE CONTENT IS ACCURATE, TIMELY, UNINTERRUPTED, NON-INFRINGING,
VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED. YOU UNDERSTAND AND AGREE THAT SFM WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL,
CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PRODUCTS,
USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF SFM HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE
DAMAGES, RESULTING FROM YOUR USE OF OR INABILITY TO USE THIS WEB SITE, PRODUCTS AND SERVICES, CONTENT
OR SOFTWARE, OR ANY OTHER MATTER RELATED TO THIS WEB SITE. YOU UNDERSTAND AND AGREE THAT YOUR USE
OF THIS WEB SITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE SFM. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply
to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless SFMI, its affiliates and their officers, directors, employees, contractors, agents,
licensors, service providers, subcontractors and suppliers from and against any and all liability for any judgments, awards, losses,
fines, penalties, expenses, damages and costs, including reasonable attorneys' fees and court costs, or other claims for damages
arising or resulting from your use of this Web Site or any violation of these Terms of Use. If you cause a technical disruption of this
Web Site or the systems transmitting this Web Site to you or others, you agree to be responsible for any and all liability for any
judgments, awards, losses, fines, penalties, expenses, damages and costs, including reasonable attorneys' fees and court costs, or
other claims for damages arising or resulting from that disruption. SFMI reserves the right, at its own expense, to assume exclusive
defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with SFM
in the defense of such matter.

GOVERNING LAW

Any dispute or claim arising out of or relating to these Terms of Use or use of this Web Site shall be settled by binding arbitration in
accordance with the commercial arbitration rules of the American Arbitration Association, except that, to the extent you have in any
manner violated or threatened to violate SFM's intellectual property rights, SFMI may seek injunctive or other appropriate relief in any
state or Federal court in the State of New York, and you consent to exclusive jurisdiction and venue in such courts.
Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim
or controversy of any other party. The arbitration shall be conducted in New York, New York, and the judgment of the arbitrator may be
entered and/or enforced in any jurisdiction competent to do so. Either you or SFMI may seek any interim or preliminary relief from a
state or Federal court of competent jurisdiction in New York, New York, as may be necessary to protect the rights or property of you
or SFM pending the completion of arbitration. You agree that any action to enforce this arbitration provision will be brought in the
Federal or state courts located in New York, New York. These Terms of Use are governed by the laws of New York and controlling United States Federal law without regard to any conflicts of
law provisions, unless such law cannot be applied in a particular jurisdiction under prevailing applicable law. If any provision of these
Terms of Use is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and
enforceability of the remaining provisions.

PRIVACY POLICY

SFMI strongly believes in maintaining the privacy of nonpublic personal information collected from individuals who visit this Web Site.
SFM does not collect any personal information about you on this Web Site unless you choose to provide it voluntarily.
"Personal information" is defined as information that is unique to you and might include your phone number, name, age, address or
Social Security Number. If you encounter a screen or page that requests information you do not want to share with SFMI, do not enter
the information and do not proceed with that screen or page. If you do provide SFMI with personal information, it will be used only for the purposes described where it is collected, and it will not be
sold, licensed, transmitted or disclosed outside of SFM unless (1) you expressly authorized SFM to do so, (2) it is necessary to allow
our contractors or agents to provide services for SFM, (3) in order to provide SFM products or services to you, (4) it is disclosed to
entities that perform marketing services on SFM's behalf or to other entities with whom SFMI has joint marketing agreements, (5) in
connection with a merger, consolidation, acquisition, divestiture or other corporate restructuring, or (6) otherwise as required or
permitted by applicable law. Please be advised that electronic communications, including the Internet, are not completely secure,
and we cannot guarantee the security of your information conveyed in this manner. For your convenience, SFMI may provide links to other web sites and web pages that SFM does not control. SFMI cannot be
responsible for the privacy practices of any web sites or pages not under SFMI's control, and SFM does not endorse any of
those web sites or pages, the services or products described or offered on such web sites or pages, or any of the content contained
on those web sites or pages. Before providing any personal information to such web sites, please be sure to carefully review
the web site's privacy policy.

COOKIES

A cookie is a piece of information that a web server may place on your computer when you visit a web site. Cookies are commonly
used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your
computer. SFMI may use cookies for a number of purposes -- for example, to maintain continuity during a user session, to gather data
about the usage of its Web Site for research and other purposes, or to enable its servers to recognize your computer so that your
preferences and/or authentication credentials can be recognized for the convenience of not having to provide this information every
time you return to this Web Site. SFM's cookies, if used, will track only your online activity on this Web Site, and will not track your
other Internet activity. SFMI's cookies, if used, will not gather personally identifiable information.

CONTACTING US

If you have any questions about this Web Site's Terms of Use or would like to learn more about how SFMI protects your privacy,
please write to us at Samsung Fire & Marine Insurance Co., Ltd. (U.S. Branch), Legal Department, 85 Challenger Road, 6th Floor,
Ridgefield Park, New Jersey 07660 or e-mail us at information@sfmmc.samsung.com. Last Updated: July 18, 2012