Protecting the information that personally identifies each of our valued customers, is a matter we take very seriously. Our primary goal is to provide competitive, fairly priced, and exceptional quality insurance products and services to meet the short and long term financial needs of our customers.

The personal and financial information shared with us (from applying for coverage, to filing a claim) is the key to providing the high-quality insurance protection and service to our customers. Information, unique to our customers, is kept secure, confidential, and used expressly for the purpose of conducting our relationship with them.

The following is a summary of our privacy policy and practices. It states the kinds of personally identifiable information we collect, disclose, or share with others.

INFORMATION WE COLLECT AND SOURCES OF INFORMATION

In order for us to provide and administer the products we offer, we collect personal information about the customer. Some of the information we collect is "nonpublic".

The nonpublic personal information we collect is obtained from the following sources:

* Information we receive on the application for insurance or other forms such as name, address, telephone number, age, social security number, and beneficiary designation.

* Information about our customer's transaction with us and our affiliates (such as the type of insurance product purchased, the premium paid, the method of purchase, and payment history).

* Information we receive from third party reports. (Such as consumer-reporting/credit agencies and motor vehicle records).

INFORMATION WE DISCLOSE

We do not disclose any nonpublic personal information about our customers to anyone, except as permitted or required by law.

We may disclose all of the information we collect as described above, with the following:

AFFILIATES: We may share information with our affiliates. Our affiliates offer products and services that may complement insurance purchases and we believe may be of interest to our customers.

SERVICE PROVIDERS: We may share information with companies engaged to, hire to affect, administer, or enforce a transaction a customer requests or authorizes to develop or maintain computer software; or to perform marketing research.

JOINT MARKETING: We may share information with companies that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement.

CONFIDENTIALITY
We will not use or share, internally or with third parties, our customer's information except for the purpose of:

* Underwriting

* Administering the policy or claim

* As permitted or required by law

* As authorized by the customer

SECURITY AND CONFIDENTIALITY OF CUSTOMER INFORMATION
We restrict access to nonpublic information about our customers to those employees (or people working on our behalf under confidentiality agreements) who need to know the informaiton in order to provide products and services. We also maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard all nonpublic personal information.