Common use of THE RISK Clause in Contracts

THE RISK. The number of passengers is the most critical factor related to teen automobile fatalities. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Teen initial ✓ I will follow New Hampshire law which prohibits me from driving with more than one passenger under age 25 (family members exempt) unless accompanied by a licensed driver who is at least 25 years old for 6 months from the date I get my youth operators license. ✓ I will follow the law and will not be a passenger in a vehicle with a friend who is still driving under a youth operator license. ✓ I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe trans- portation home, regardless of the situation or time of your call. As your passenger, I will share observations and coaching in a calm, respectful manner. Cell Phones THE RISK: Teen drivers are vulnerable to driving distractions such as talking or texting on cell phones, which increase the chance of getting involved in serious vehicle crashes. New Hampshire law prohibits drivers from texting while driving, and has a comprehensive distracted driving law for all drivers that includes cell phones. Teen initial ✓ I agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. ✓ I understand that New Hampshire law prohibits drivers from texting while driving, and has a comprehensive distracted driving law for all drivers that includes cell phones. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial I understand that cell phones present a distraction to all drivers. I also agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. Distractions THE RISK: Teen drivers are especially susceptible to distractions. Distractions impair judgment and decision-making abilities. Talking to passengers, changing a CD, eating, and personal grooming are all distractions that divide attention and take the focus off driving. Teen initial ✓ I will not participate in any behavior that makes me look away from the road or distracts me from driving. ✓ I agree to check myself for readiness to drive before driving. ✓ If I am not able to focus on the driving task due to lack of sleep or if I am emotional, I will not drive. ✓ I agree to set rules for my passengers so they don’t distract me, and will pull over to a safe location until they have stopped distracting me and I am able to drive again. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call.

THE RISK. The number of passengers is the most critical factor related to teen automobile fatalities. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Teen initial ✓ 3 I will follow New Hampshire law which prohibits me from driving with more than one passenger under age 25 (family members exempt) unless accompanied by a licensed driver who is at least 25 years old for 6 months from the date I get my youth operators license. ✓ 3 I will follow the law and will not be a passenger in a vehicle with a friend who is still driving under a youth operator license. ✓ 3 I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe trans- portation home, regardless of the situation or time of your call. As your passenger, I will share observations and coaching in a calm, respectful manner. Cell Phones THE RISK: Teen drivers are vulnerable to driving distractions such as talking or texting on cell phones, which increase the chance of getting involved in serious vehicle crashes. New Hampshire law prohibits drivers from texting while driving, and has a comprehensive distracted driving law for all drivers that includes cell phones. Teen initial ✓ 3 I agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. ✓ 3 I understand that New Hampshire law prohibits drivers from texting while driving, and has a comprehensive distracted driving law for all drivers that includes cell phones. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial I understand that cell phones present a distraction to all drivers. I also agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. Distractions THE RISK: Teen drivers are especially susceptible to distractions. Distractions impair judgment and decision-making abilities. Talking to passengers, changing a CD, eating, and personal grooming are all distractions that divide attention and take the focus off driving. Teen initial ✓ 3 I will not participate in any behavior that makes me look away from the road or distracts me from driving. ✓ 3 I agree to check myself for readiness to drive before driving. ✓ 3 If I am not able to focus on the driving task due to lack of sleep or if I am emotional, I will not drive. ✓ 3 I agree to set rules for my passengers so they don’t distract me, and will pull over to a safe location until they have stopped distracting me and I am able to drive again. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call.

THE RISK. The number of passengers in a teen’s vehicle is the most critical a major risk factor related to in teen automobile fatalitiescrashes. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Per mile driven, the crash rate for teens driving at night with passengers is 4 to 5 times higher than teens driving alone during the day. Teen initial ✓ I will follow New Hampshire Maine law which prohibits me from driving about carrying passengers and, while I hold my Intermediate License, I agree not to carry passengers with more than one passenger under age 25 (the exception of immediate family members exempt) or a foreign exchange student who is living with my immediate family, unless accompanied by a licensed driver who is at least 25 20 years old of age, has held a valid license for 6 months from the date I get my youth operators license2 years and is sitting beside me. ✓ I will follow the law and will not be a passenger in a vehicle with a friend who is still driving subject to GDL laws and has another passenger under the age of 21 who is not a youth operator licensefamily member. ✓ I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Maine law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe trans- portation home, regardless of the situation or time of your call. As your passenger, I will share observations and coaching in a calm, respectful manner. Cell Phones THE RISK: Teen drivers are vulnerable to driving distractions such as talking or texting on cell phones, which increase the chance of getting involved in serious vehicle crashes. New Hampshire law prohibits drivers from texting while driving, and has a comprehensive distracted driving law for all drivers that includes cell phones. Teen initial ✓ I agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. ✓ I understand that New Hampshire Maine law prohibits drivers under the age of 18 from texting using a cell phone, a hands-free device or other electronic communication while driving, and has operating a comprehensive distracted driving law for all drivers that includes cell phonesmotor vehicle. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Maine law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial I understand that cell phones present a distraction to all drivers. I also agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. Distractions THE RISK: Teen drivers are especially susceptible to distractions. Distractions impair judgment and decision-making abilities. Talking to passengers, changing a CD, eating, and personal grooming are all distractions that divide attention and take the focus off driving. Teen initial ✓ I will not participate in any behavior that makes me look away from the road or distracts me from driving. ✓ I agree to check myself for readiness to drive before driving. ✓ If I am not able to focus on the driving task due to lack of sleep or if I am emotional, I will not drive. ✓ I agree to set rules for my passengers so they don’t distract me, and will pull over to a safe location until they have stopped distracting me and I am able to drive again. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Maine law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call.

THE RISK. The number of passengers is the most critical factor related to teen automobile fatalities. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Teen initial ✓ I will follow New Hampshire Vermont law which prohibits me from driving with more than one passenger under age 25 and agree not to carry passengers (except for immediate family members exemptafter the first 3 months) unless accompanied by a licensed driver who is at least 25 years old of age, and is sitting beside me, for the first 6 months from the date I get hold my youth operators licenseJunior Operator’s License. ✓ I will follow the law and will not be a passenger in a vehicle with a friend who is still driving under a youth operator licensesubject to GDL laws. ✓ I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Vermont law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe trans- portation home, regardless of the situation or time of your call. As your passenger, I will share observations and coaching in a calm, respectful manner. Cell Phones THE RISK: Teen drivers are vulnerable to driving distractions such as talking or texting on cell phones, which increase the chance of getting involved in serious vehicle crashes. New Hampshire Vermont law prohibits all drivers from texting while drivingoperating a moving motor vehicle on a highway, and has prohibits drivers under the age of 18 from using a comprehensive distracted driving law for all drivers that includes cell phonesphone, a hands-free device or other electronic communication while operating a motor vehicle. Teen initial ✓ I agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. ✓ I understand that New Hampshire Vermont law prohibits drivers from texting while driving, and has drivers under the age of 18 may not use a comprehensive distracted driving law for all drivers that includes cell phones. phone or other electronic device, even if it’s “hands-free.” I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Vermont law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial I understand that cell phones present a distraction to all drivers. I also agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. Distractions THE RISK: Teen drivers are especially susceptible to distractions. Distractions impair judgment and decision-making abilities. Talking to passengers, changing a CD, eating, and personal grooming are all distractions that divide attention and take the focus off driving. Teen initial ✓ I will not participate in any behavior that makes me look away from the road or distracts me from driving. ✓ I agree to check myself for readiness to drive before driving. ✓ If I am not able to focus on the driving task due to lack of sleep or if I am emotional, I will not drive. ✓ I agree to set rules for my passengers so they don’t distract me, and will pull over to a safe location until they have stopped distracting me and I am able to drive again. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Vermont law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call.

THE RISK. The number of passengers is the most critical factor related to teen automobile fatalities. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Teen initial ✓ 3 I will follow New Hampshire Vermont law which prohibits me from driving with more than one passenger under age 25 and agree not to carry passengers (except for immediate family members exemptafter the first 3 months) unless accompanied by a licensed driver who is at least 25 years old of age, and is sitting beside me, for the first 6 months from the date I get hold my youth operators licenseJunior Operator’s License. ✓ 3 I will follow the law and will not be a passenger in a vehicle with a friend who is still driving under a youth operator licensesubject to GDL laws. ✓ 3 I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Vermont law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe trans- portation home, regardless of the situation or time of your call. As your passenger, I will share observations and coaching in a calm, respectful manner. Cell Phones THE RISK: Teen drivers are vulnerable to driving distractions such as talking or texting on cell phones, which increase the chance of getting involved in serious vehicle crashes. New Hampshire Vermont law prohibits all drivers from texting while drivingoperating a moving motor vehicle on a highway, and has prohibits drivers under the age of 18 from using a comprehensive distracted driving law for all drivers that includes cell phonesphone, a hands-free device or other electronic communication while operating a motor vehicle. Teen initial ✓ 3 I agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. ✓ 3 I understand that New Hampshire Vermont law prohibits drivers from texting while driving, and has drivers under the age of 18 may not use a comprehensive distracted driving law for all drivers that includes cell phones. phone or other electronic device, even if it’s “hands-free.” I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Vermont law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial I understand that cell phones present a distraction to all drivers. I also agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. Distractions THE RISK: Teen drivers are especially susceptible to distractions. Distractions impair judgment and decision-making abilities. Talking to passengers, changing a CD, eating, and personal grooming are all distractions that divide attention and take the focus off driving. Teen initial ✓ 3 I will not participate in any behavior that makes me look away from the road or distracts me from driving. ✓ 3 I agree to check myself for readiness to drive before driving. ✓ 3 If I am not able to focus on the driving task due to lack of sleep or if I am emotional, I will not drive. ✓ 3 I agree to set rules for my passengers so they don’t distract me, and will pull over to a safe location until they have stopped distracting me and I am able to drive again. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Vermont law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call.

THE RISK. The number of passengers in a teen’s vehicle is the most critical a major risk factor related to in teen automobile fatalitiescrashes. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Per mile driven, the crash rate for teens driving at night with passengers is 4 to 5 times higher than teens driving alone during the day. Teen initial ✓ 3 I will follow New Hampshire Maine law which prohibits me from driving about carrying passengers and, while I hold my Intermediate License, I agree not to carry passengers with more than one passenger under age 25 (the exception of immediate family members exempt) or a foreign exchange student who is living with my immediate family, unless accompanied by a licensed driver who is at least 25 20 years old of age, has held a valid license for 6 months from the date I get my youth operators license2 years and is sitting beside me. ✓ 3 I will follow the law and will not be a passenger in a vehicle with a friend who is still driving subject to GDL laws and has another passenger under the age of 21 who is not a youth operator licensefamily member. ✓ 3 I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Maine law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe trans- portation home, regardless of the situation or time of your call. As your passenger, I will share observations and coaching in a calm, respectful manner. Cell Phones THE RISK: Teen drivers are vulnerable to driving distractions such as talking or texting on cell phones, which increase the chance of getting involved in serious vehicle crashes. New Hampshire law prohibits drivers from texting while driving, and has a comprehensive distracted driving law for all drivers that includes cell phones. Teen initial ✓ 3 I agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. ✓ 3 I understand that New Hampshire Maine law prohibits drivers under the age of 18 from texting using a cell phone, a hands-free device or other electronic communication while driving, and has operating a comprehensive distracted driving law for all drivers that includes cell phonesmotor vehicle. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Maine law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial I understand that cell phones present a distraction to all drivers. I also agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. Distractions THE RISK: Teen drivers are especially susceptible to distractions. Distractions impair judgment and decision-making abilities. Talking to passengers, changing a CD, eating, and personal grooming are all distractions that divide attention and take the focus off driving. Teen initial ✓ 3 I will not participate in any behavior that makes me look away from the road or distracts me from driving. ✓ 3 I agree to check myself for readiness to drive before driving. ✓ 3 If I am not able to focus on the driving task due to lack of sleep or if I am emotional, I will not drive. ✓ 3 I agree to set rules for my passengers so they don’t distract me, and will pull over to a safe location until they have stopped distracting me and I am able to drive again. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire Maine law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call.