TERMS AND CONDITIONS

The 2018 Large Commercial Insurance Study Gift Code Offer (the "Offer") commences at 12:00:01 Eastern Time ("ET") on April 13, 2018 and ends at 11:59:59 PM ET on June 8, 2018, or whenever the 1,500th gift code is claimed, whichever is sooner (the "Promotion Period"). Offer is open to individuals who are legal residents of the 50 United States (including the District of Columbia), who at time of entry are age 18 or older (each a "Participant"), and qualify for and complete the 2018 Large Commercial Insurance Study online survey. Void where prohibited by law. Offer is subject to all federal, state and local laws and regulations.

You qualify to receive a $50 Amazon Gift Code ("Gift Code"), while supplies last, when you: 1) access the survey by using the website link provided on the solicitation you received; 2) submit your validly completed survey during the Promotion Period; and 3) your responses are verified by J.D. Power (the "Sponsor"). Limit: one (1) Gift Code per Participant. The Sponsor reserves the right not to award a Gift Code if determines, in its sole discretion, that the Participant engaged in improper activity. No responsibility is assumed for lost, misdirected, incomplete, inaccurate or illegible email. The email address associated with the survey completion should be maintained by each participant. All correspondence received for and from this Offer becomes the property of the Sponsor.

Gift Codes will be awarded on or about June 15, 2018 as an Amazon digital code and will be delivered to the email address associated with survey submission. Sponsor is not responsible for any Gift Code that is returned as undeliverable, lost, misdirected or stolen and will have no further obligations to the Participant. Any Gift Code that is returned as undeliverable will not be awarded. No substitution permitted, however, the Sponsor reserves the right to substitute the Gift Code with another prize of comparable value, at its sole discretion. Gift Code may not be redeemed for cash and are subject to the terms and conditions associated with its redemption instructions as determined by vendor. Any sales taxes or expenses above the value of the Gift Code will be the sole responsibility of each Participant. No cash refund for any unused portion of a Gift Code will be given.

In the event the Sponsor is prevented from continuing with the Offer by any event beyond their control, including, but not limited to, fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal state or local government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within its control (each a "Force Majeure" event or occurrence), the Sponsor shall have the right to modify, suspend or terminate the Offer. Sponsor reserves the right to modify, suspend or terminate the Offer without notice or by posting a notice on its website, in its sole and absolute discretion, including, but not limited to, if in its sole and absolute discretion, it is determined that the Offer is technically impaired or corrupted or that fraud or technical problems, failures or malfunctions or any Force Majeure event(s) has destroyed or severely undermined or impaired the integrity and/or feasibility of Offer.

Officers, directors, employees, agents and representatives of the Sponsor and its parent company, subsidiaries, affiliates, advertising and promotion agencies, retailers, distributors (collectively, the "Released Parties"), and their immediate family members and/or those living in the same household of each are not eligible to participate. By participating in the Offer, each Participant agrees to release and hold harmless the Released Parties from all claims, liability or damage caused or claimed to be caused, in whole or in part, directly or indirectly, in connection with participation in the Offer, and/or acceptance and use of the Gift Code, the substitution of any product in accordance with these Terms & Conditions or the administration of the Offer. Except where prohibited by law, as a condition of participating in the Offer, Participants agrees that (i) any and all disputes and causes of action arising out of or connected with this Offer shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest the Participant; (ii) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (iii) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will Participant be permitted to obtain awards for, and Participant hereby waives all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorneys' fees, other than Participant's actual out-of-pocket expenses (if any), and Participant further waives all rights to have damages multiplied or increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Terms & Conditions, or the rights and obligations of the Participant and/or Sponsor in connection with this Offer, shall be governed by, and construed in accordance with, the substantive laws of the State of New York, USA without regard to New York choice of law rules.

SPONSOR: J.D. Power, 30870 Russell Ranch Road, Suite 300, Westlake Village, CA 91362.