Membership Terms, Conditions and Disclosures

This document describes the terms, conditions and disclosures of Your Carefree Auto plan (“Program”). It is not a contract. Gallagher Affinity Insurance Services, Inc. is the benefit administrator of Your plan.

Providers are subject to change without notice. Gallagher Affinity Insurance Services, Inc. does not guarantee nor is it responsible for the quality of such service or product purchased by You. Gallagher Affinity Insurance Services, Inc. reserves the right to modify any benefits included in Your Program, but will replace any benefits with a comparable benefit.

Payment of membership fee is made by the billing source authorized by You in accordance with the payment terms to which You agreed. Gallagher Affinity Insurance Services, Inc. reserves the right to increase or decrease the membership fee for each renewal membership term effective upon renewal of Your membership. Membership is not transferable. If You have an individual membership, only You may use the membership.

Termination and Cancellation. You may terminate Your membership at any time by calling us at the toll free number on Your membership card, or You may notify us in writing at Member Services, PO Box 2823, Clinton, IA 52733—2823. Your cancellation will be effective promptly upon the receipt of Your cancellation notice and You will no longer be billed for Your membership. This program is only available to residents of the United States. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid.

Governing Law and Arbitration. Your membership is governed and controlled by the laws of the State of Illinois. Any dispute arising from or related to Your membership shall be resolved by binding, non-appealable private arbitration conducted in accordance with the Rules of American Arbitration Association in Chicago, Illinois, unless required by a member’s individual state laws to resolve in a different location. This provision shall survive the termination of Your membership and is subject to the Federal Arbitration Act.