Electronic Communications Disclosure and Consent Please read this information carefully. Then, print and keep a copy for yourself. As a valued New York Life Group Benefit Solutions (NYL GBS) customer, we send you information about your benefits through the mail. This information may include: • Claim forms, authorizations, disclosures, affidavits, electronic funds transfer agreements, privacy notices, and letters letting you know about changes to any of these items • Claim status updates letting you know that we’ve received a claim, or that we’ve updated the status of a claim • Letters asking you, or someone else, for additional information to help with the review of a claim. Did you know that you may also give us consent to send you this information electronically? NYL GBS has an easy to use secure email encryption tool that allows us to communicate with you electronically. All you need is a computer, internet access, and a personal email address (called a Designated Email). By giving us your consent, you understand you may no longer receive information in paper form and you accept responsibility for promptly reviewing the secure emails you receive. This ensures you can take appropriate action so that any benefits you are eligible for are not delayed or that any rights you have are not affected. If downloading communications from a secure portal, delivery of information sent to you is deemed complete once all of data comprising the information has been uploaded to our secure web portal. If receiving communications by secure email, delivery of information sent to you is deemed complete once all data comprising the information has been received by the email server of the system used to provide your Designated Email. What do I need to know before I give my consent? Access to Paper Copies At any time, you can still request paper copies of information. Simply email us from your valid Designated Email, call or send us a letter by mail to: New York Life Group Benefit Solutions, P.O. Box 22328, Pittsburgh, PA 15222-0328 We keep copies of the information we email for the time periods required by law. We recommend saving or printing copies of the information you get electronically to ensure you have it when you need it. System Requirements To use the NYL GBS secure email tool, access messages, and keep copies of the information we send, you must have a working, personal Designated Email address and a computing or communications device with: • Working Internet access • Web browser that supports 128-bit encryption (such as Chrome ®, Firefox®, Microsoft Edge® , or Safari®), • 16 MB of available memory (32 MB of RAM recommended) and • ® Reader® 4.0 or higher). Program that can view, save and print PDF files (such as Adobe Our Right to Send Paper We have the right to send you information through the mail even if you agreed to receive it electronically. For example, we may send you a letter through the mail if we have a system outage, if we suspect fraud, if for any reason your Designated Email does not accept emails from us, or if we receive notification that you have not opened your email messages. Modification of Consent Terms We reserve the right to modify (change) these terms and conditions if we choose. We will provide you with notice of a modification electronically, and the date it is to go into effect. If you do not agree to the new terms and conditions in the notice, you may provide your Withdrawal of Consent before the effective date. Failure to withdraw your consent, or follow the instructions in the notice, lets us know that you agree to the new terms. Please review and keep for your records. © 2023, New York Life Insurance Company, New York, NY. All rights reserved. NEW YORK LIFE and the box logo are trademarks of New York Life Insurance Company. New York Group Benefit Solutions products and services are provided by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company. Page 5 of 9 LMS-613500 Revised 10/2023