Extract to table

Unless the context requires otherwise, capitalized terms used but not defined in this Counter-Term Sheet shall have the meanings ascribed to them in the Initial Term Sheet or, where applicable, the meanings that will be given to them in the definitive MDLA

2 below) license to access, receive, store, process, and use the Licensed Data Products for Quorum's internal business purposes, including without limitation the following: (a) Automated underwriting and risk assessment: Ingestion and use of the Licensed Data Products as inputs to Quorum's automated underwriting decision engines, risk-scoring models, and real-time policy pricing algorithms across all of Quorum's insurance lines of business (including P&C, life, and specialty lines); (b) Claims-fraud detection and investigation: Use of the Licensed Data Products to support claims-fraud detection algorithms, special investigations unit ("SIU") activities, and post-claim analytics; (c) Customer propensity scoring and marketing analytics: Use of the Licensed Data Products to develop and deploy customer propensity models, cross-sell and up-sell scoring, marketing segmentation, and customer lifetime value analytics, in each case subject to compliance with applicable consumer-protection and marketing regulations; (d) Portfolio monitoring and account review: Use of the Licensed Data Products for ongoing portfolio monitoring, periodic account review, and in-force book management; (e) Development and training of proprietary models and algorithms: Use of the Licensed Data Products as training data for machine-learning models, statistical models, and other proprietary analytical tools and algorithms developed by or on behalf of Quorum; and (f) Creation, ownership, and commercialization of Derived Data: Use of the Licensed Data Products as an input to the creation of Derived Data (as defined in Section 9 below), which Derived Data shall be solely owned by Quorum and subject to the commercialization rights set forth in Section 9

Quorum shall be responsible for ensuring that all Quorum Affiliates and authorized third-party service providers comply with the terms of the MDLA and shall be liable for any breach by a Quorum Affiliate or third-party service provider to the same extent as if such breach were committed by Quorum directly

1 is subject to the following restrictions, which Quorum acknowledges and agrees to observe: (a) No resale or redistribution of raw data

Quorum shall not resell, redistribute, sublicense, or otherwise make available to any third party the Licensed Data Products in their raw, unmodified form

The FCRA Permissible Purpose Certification shall be executed by Quorum and attached as a schedule to the MDLA