My Farmers Enrollment Agreement and Terms of Use

Welcome to Farmers EasyPay® Online Billing! We are glad you have elected to use our electronic billing service. Before you begin setting up your account and using our service, please take a moment to review these Terms of Use ("Terms"). These Terms are an agreement ("Agreement") between you and the Prematic Service Corporation, a wholly owned subsidiary of Farmers Group, Inc. ("Prematic"). It is important that you understand both the benefits of Online Billing as well as restrictions in using Farmers EasyPay® Online Billing to make your insurance premium payments.

Acceptance of Terms.

If you agree, click "Agree" to begin setup. By doing so, you agree to the Terms, as set out below, for our providing you with our Online Billing services. If you disagree click "Disagree" and you will exit from this screen. By agreeing to these Terms you will receive email billing for payment of your insurance premiums until you elect to discontinue this service, you are no longer insured by one of the Farmers® companies, or this Agreement is terminated by Prematic. You will also receive one hardcopy confirming statement after setting up your Farmers EasyPay® Online Billing account by regular mail, after which no further paper statements will be sent to you. You can print a copy of your Online Billing statement from our system at any time.

Changes in Terms.

These Terms may be updated from time to time. Upon any change, Prematic will notify you by a link to such new or different terms and conditions. If you continue to use the Farmers EasyPay® Online Billing service thereafter, your continued use of the services is your acceptance of the changes and agreement to be bound by this Agreement and Terms, as amended. If you do not agree to the changes, you agree to discontinue your use of the Farmers EasyPay® Online Billing service.

Farmers EasyPay® Online Billing Services.

A. Service Limitations: Our goal is to make your experience with Farmers EasyPay® Online Billing a pleasant and productive one. However, we cannot always foresee or anticipate technical or other difficulties. These difficulties may result in loss of data, personalization settings or other service interruptions. For this reason, you agree that Farmers EasyPay® Online Billing Services are provided "AS-IS," without warranties of any kind. Prematic cannot assume responsibility for the timeliness, deletion, misdelivery or failure to store any user data, communications or personalization settings.

B. Service Changes and Discontinuation: Prematic reserves the right to change or discontinue, temporarily or permanently, the service at any time without notice. You agree that Prematic or any member Farmers® company with which you have insurance will not be liable to you or any third party for any modification or discontinuance of the service.

C. Privacy Policy: Prematic respects your privacy. In a nutshell, we do not share information about you with unaffiliated third parties, except or unless authorized under the various federal and state privacy statutes. The information you provide enables us to provide services to you. It also enables us to give you updates about our service. The complete terms of our Privacy Policy are part of this your agreement with us and so you should read it. Click here to view the Privacy Policy.

D. Cancellation: You may cancel your enrollment in our service at any time by sending a request for cancellation via our "Contact Us" form.

"Rules of the Road": For your benefit and security, and to comply with applicable laws, we have a few mandatory guidelines that we call "Rules of the Road". Any conduct that violates the Rules of the Road is the basis for termination of your enrollment. For this reason, we ask that you carefully read and follow them.

A. Provide Accurate Information: You agree to provide true, accurate, current and complete information about yourself as requested in the Farmers Easy Pay® Online Billing registration form and account set up forms, and you agree not to misrepresent your identity. Accurate records enable us to provide you services. You agree to keep your registration and account information up to date and accurate.

B. Guard Your Password: You will choose a password when registering. You are responsible for the confidentiality of your password and account. You are fully responsible for all activities that occur using your password or account. Prematic will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. Please notify Prematic immediately of any unauthorized use of your password or account or any other breach of security. Also, you may not use anyone else's password at any time.

C. Obey the Law: You agree not to use the Farmers EasyPay® Online Billing service and system for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.

D. Proprietary Rights: You acknowledge and agree that Prematic and its licensor own all rights to this Web Site and the content displayed on the site. You are only permitted to use this content as expressly authorized by Prematic. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Prematic technology.

Rights You Grant to Prematic Service Corporation:

A. Advertising: You agree that Prematic, Farmers Group, Inc. or their affiliates may display advertisements and promotions of all kinds in and with the services and Online Billing system.

B. Online Billing Account Access: To ensure that Prematic is able to provide high quality services that are responsive to members' needs, you agree that Prematic employees may have access to your Online Billing account and records as reasonably needed to investigate complaints, and to conduct the business of Prematic in providing billing services for you and the companies insuring you.

C. Third Party Accounts. By using this Web Site and service, you authorize Prematic to access third party sites designated by you, on your behalf, to retrieve information requested by you and you hereby appoint Prematic as your agent for this limited purpose. You hereby permit Prematic to use information submitted by you to the Web Site, system and service to accomplish the foregoing.

Other Legal Matters:

A. Disclaimer of Warranties: You expressly understand and agree that: Your use of the service is at your sole risk. The service is provided on an "as is" and "as available" basis. Prematic expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Prematic makes no warranty that (i) the service will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the service will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, and (v) any errors in the technology will be corrected. Any material downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from Prematic or through or from the service will create any warranty not expressly stated in these terms. Some jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above limitations may not apply to you. To the extent that any part of this section is not consistent with any other part of these terms, then this section will control.

B. Limitation of Liability: You agree that Prematic will not be liable for any harms, which lawyers and courts often call direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if Prematic has been advised of the possibility of such damages, resulting from: (i) the use or the inability to use the service; (ii) the cost of getting substitute goods and services resulting from any products, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of anyone on the service; or (v) any other matter

relating to the service. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

C. Indemnification: You agree to protect and fully compensate Prematic and its affiliates, and service providers from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the services, your violation of the Terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

D. Other: This Agreement cannot be changed or any of the Prematic rights waived unless Prematic agrees in writing or you continue using the service following receipt of notice of any changes proposed by Prematic. This Agreement is personal to you and you may not assign it to anyone. All notices to you shall be in writing and shall be made either via email or conventional mail, at the discretion of Prematic. Prematic may broadcast notices or messages through the service to inform you of changes to the terms, the service, or other matters of importance; such broadcasts shall constitute notice to you. All notices to Prematic must be made in writing at our address below. If any provision of these terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. The laws of the state of California apply to this agreement. These terms are the entire understanding between you and Prematic about the Online Billing system and services.

E. Notices: Prematic Service Corporation
Attn: Online Billing Manager
4680 Wilshire Boulevard
Los Angeles, CA 90010