looking at the very "thin" explaination with the document i think you have to either stay in or "opt out"
if you stay in ,it appears you could be liable co jointly with Dorajay if their litigation fails.....for ALL's expenses etc.
i am like you,never made a loss so its unusual i even got the documentation.
i feel i may "opt out" in the absence of a more detailed explaination.
safety first applies....the costs in this matter will be substantial.
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