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USE OF SITE

The companies appearing on this Site ("collectively, Assurant Specialty Property companies," "We," "Our," or Us, or, individually, "Assurant Specialty Property company") require that each visitor ("User," "You," or "Your") to this Internet Web site on the World Wide Web ("Site") adhere to the following Terms and Conditions, which may have been revised since You last visited this Site. Please read these Terms and Conditions carefully before using this Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. Each User is bound by any revisions to these Terms and Conditions and should visit this page at each visit to review the current terms and conditions. If the User does not agree to all of the Terms and Conditions, he or she should not use this Site.

TERMS AND CONDITIONS

Informational Purposes Only

The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. It is provided solely for general informational purposes. Any insurance or non-insurance product described on this Site may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. For more information, please consult the referenced policy or contract. The general information about the products and services apply to the United States only. All products and services may not be available in all states.

Links appear on this Site to products or services that are available outside of the United States and to specific companies or business units. Each User must view the Legal Notice, Terms of Use or similarly described topic displayed on such linked Web sites.

No Warranty

Assurant Specialty Property companies expressly disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Web Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Assurant Specialty Property companies have no obligation to update information on this Site, so such information may be out of date at any given time. Assurant Specialty Property companies also may make improvements or changes in products or services described on this Site at any time without notice.

Limitation of Liability/Disclaimer

WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, OUR SITE; (2) FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. IN THE EVENT WE MAY BE HELD LIABLE FOR ANY DAMAGES RELATIVE TO OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.

THE MATERIAL ON OUR SITE IS PROVIDED "AS IS." WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN OUR SITE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) DEFECTS WILL BE CORRECTED; (4) OUR SITE, OR THE SERVERS THAT MAKE OUR SITE AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) INFORMATION CONTAINED IN OUR SITE IS ACCURATE AS OF ANY PARTICULAR DATE. INFORMATION ON OUR SITE MAY BE MODIFIED AT ANY TIME WITHOUT NOTICE.

No Representation as to Suitability

Assurant Specialty Property companies make no representation as to the financial or other suitability of any product or service described on this Site for any User.

Copyright, Trademarks and Service Marks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Assurant Specialty Property companies or affiliates (collectively "Assurant"). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant.

Ownership

The design, text and images of this Site are owned, controlled or licensed by Assurant Specialty Property companies or its affiliates ("Assurant"). Assurant Specialty Property companies and/or their licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant or any of their licensors of any rights in such material and does not transfer any rights to any User of this Site.

Linking

Assurant Solutions companies prohibit caching, hypertext links to this Site and the framing of any services, without the express written permission of an Assurant Solutions company.

This Site may contain hyperlinks to Web sites operated, owned or maintained by parties other than Assurant Specialty Property companies. Such hyperlinks are provided solely as a matter of convenience. Assurant Specialty Property companies do not control such Web sites and are not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by Assurant Specialty Property companies of the material on such Web sites or any association with their operators. Access to any other Web site linked to this Site is at the User's own risk.

Privacy

Assurant Specialty Property companies adhere to all laws regarding the privacy of information submitted by Users of this Site. To review the Assurant Specialty Property Privacy Policy in the United States, please click on Privacy Policy. Although this Site contains links to other Web sites, Assurant Specialty Property companies are not responsible for the privacy practices employed by the other Web sites. In addition, unless stated otherwise, Assurant Specialty Property companies cannot guarantee the security of any data that is submitted through the Internet, by e-mail.

As part of the normal operation of our Site, Assurant Specialty Property companies may collect a limited amount of information about your visit. The information tracked may include the URL You just came from, which URL You go to after leaving this Site, what browser You are using, and Your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the Web site information and functions successfully. None of this standard tracking information is personally identifiable. Assurant Specialty Property companies, currently, do not collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

The foreign operations of Assurant Specialty Property companies or those Assurant Solution companies that are domiciled and operate outside the United States may be subject to different privacy requirements. You should refer to the privacy policy of that particular Assurant Specialty Property company when visiting the Web site of that Assurant Specialty Property company or of its foreign operations.

Online Privacy Notice

If You are an individual consumer located in California or other applicable state (if any) this notice is given to You pursuant to state law. It addresses personally identifiable information collected by Us about You when You visit or use this Site.

We will not collect, use, or disclose any personally identifiable information, unless You provide the information to Us. Should you correspond to Us by e-mail, We will collect from You Your e-mail address and any information included in Your e-mail to Us. Your e-mail address and the content of Your e-mail will be shared with, or disclosed to, third parties who are necessary to address the content of Your e-mail. Also, We may e-mail information that You request Us to send to a particular person regarding employment opportunities with Assurant Specialty Property companies or any of their affiliates to that person and may include your e-mail address that You provided to Us in transmitting Your request to that person. We will use such information only for the purpose of employment opportunities with an Assurant Specialty Property company or one of its affiliates.

We will not sell any information You provide to Us to any third party.

This section of the Legal Notice will be changed if there is a change regarding the information collected on this Site, the third party or parties to which We disclose the information, the purpose for which the information is collected, or for any other changes relating to this online privacy notice. You should review this section each time You visit this Site.

You may be able to access other Web sites from this Site by a link appearing on this Site. If you are an individual consumer, You should refer to the Online Privacy Policy appearing on that Web site when You visit it.

Effective Date: September 30, 2004

Use of Cookie File

Some Web pages within this Site may use "cookies." A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about the User's use of this Site. A cookie used by Assurant Specialty Property companies cannot read data off the User's hard drive or read cookie files created from other Web sites. The User is free to decline a cookie if the User's browser has been set to prompt or decline cookies. It is possible that the declination of a cookie may result in Your not being able to use this Site's information and functions successfully.

E-Mail Usage

While We wish to promote the privacy of individual e-mail users, We cannot guarantee the security or privacy of Your e-mail transmission to Us or to others from this Site. You should consider whether it is appropriate to use e-mail to send confidential messages or information to Us. You bear all responsibility for Your use of e-mail. We shall not be responsible or liable for any of Your actions or any consequences resulting from Your use of e-mail, including but not limited to misaddressed, lost or undelivered e-mail messages.

Products Not Available

The products and services described in this Site relate to products and services within the United States. Such products and services may not be available in all states.

Laws and Regulations

Access to, and use of, this Site are subject to all applicable federal, state and local laws and regulations in the United States. If You access an international Web site of one of Our companies from this Site, such international Web site is subject to the applicable laws of the jurisdiction (s) to which such company or companies are subject.

Access to Password Protected or Secure Areas

Access to, and use of, password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Forward-looking Statements

This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and no assurances can be given that such statements will prove to be correct.

Changes to Terms and Conditions

Assurant Specialty Property companies reserve the right to revise theses Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions each time You visit this Site.

Violations of Terms and Conditions

Assurant Specialty Property companies reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.

Underwriting Entities

You are provided the following information pursuant to various state insurance laws, including, but not limited to those of California, Massachusetts and Missouri.

Insurance Company	National Association of Insurance Commissioners' Identification Number	Principal Address and Telephone	List of Jurisdictions in United States Where Authorized to Do Business	State of Domicile
American Bankers Insurance Company of Florida	10111	11222 Quail Roost Drive, Miami, FL 33157 305.253.2244	Washington, D.C. and all states in the United States	Florida
American Bankers Life Assurance Company of Florida	60275	11222 Quail Roost Drive, Miami, FL 33157 305.253.2244	Washington, D.C., and all states in the United States, except New York	Florida
American Reliable Insurance Company	19615	8655 East Via de Ventura Suite E200 Scottsdale, AZ 85258 480.483.8666	Washington, D.C. and all states in the United States	Arizona
American Security Insurance Company	42978	260 Interstate North Circle, SE Atlanta, GA 30339 770.763.1000	Washington, D.C. and all states in the United States, except New Hampshire	Delaware
Union Security Insurance Company of New York	81477	212 Highbridge St., Suite D Fayetteville, NY 13066 315.637.4232	New York	New York
Union Security Insurance Company	70408	2323 Grand Boulevard, Kansas City, MO 64108-2670 818.474.2345	Washington, D.C. and all states, except New York	Iowa
Time Insurance Company	69477	501 West Michigan, Milwaukee, WI 53203 414.271.3011	Washington, D.C. and all states, except New York	Wisconsin
Reliable Lloyds Insurance Company	2843	8655 East Via de Ventura Suite E200 Scottsdale, AZ 85258 480.483.8666	Texas	Texas
Standard Guaranty Insurance Company	42986	260 Interstate North Circle, SE Atlanta, GA 30339 770.763.1000	Washington, D.C. and all states in the United States, except Alaska, Connecticut, Maine, Massachusetts, New York, Pennsylvania, Texas, and Wyoming	Delaware
United Family Life Insurance Company	91693	10 Glenlake Parkway, NE Suite 500, Atlanta, GA 30328-3473 800.801.0800	Washington, D.C., and all states in the United States, except New York	Georgia
Voyager Indemnity Insurance Company	40428	260 Interstate North Circle, SE Atlanta, GA 30339 770.763.1000	Georgia	Georgia
Voyager Property and Casualty Insurance Company	35971	260 Interstate North Circle, SE Atlanta, GA 30339 770.763.1000	Washington, D.C. and all states, except Kentucky, Maine, Michigan, Minnesota, Mississippi, New Hampshire, New York, Virginia	South Carolina

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