Privacy Policy for the states of CA, MN, MT, ND, NM and VT only.
Privacy Policy for all other states.

PLEASE NOTE: Some privacy policies specific to certain products, services and certain areas within this site may be subject to additional or different privacy policies that are posted in those areas. When you purchase products or services through some companies within our network, that company will provide you with its privacy policy.

Those policies may vary from this policy, as various laws, the nature of those products and services, or our business arrangements may require different or additional descriptions and disclosures. We encourage you to read those privacy policies.

Privacy Policy for the States of CA, MN, MT, ND, NM and VT only

This Privacy Policy applies only to residents of California, Minnesota, Montana, New Mexico, North Dakota and Vermont. If you are not a resident of either California, Minnesota, Montana, New Mexico, North Dakota or Vermont, click here to view the appropriate Privacy Policy.

How We Use and Protect Personal Information
Protecting your privacy is very important to us. We value your trust and we want you to understand what information we collect, how we protect it, and how we use it. We treat personal information -- nonpublic information that identifies you -- with respect and in accordance with this Privacy Policy. Personal information is essential to meeting our goal to provide you with our products and services.

This Privacy Policy is designed to provide information regarding how we collect, use and disclose personal information we gather when you visit our website on the World Wide Web. This Privacy Policy currently is applicable only to residents of California, Minnesota, Montana, New Mexico, North Dakota and Vermont when they interact with our Web site.

Our Privacy Policy
This is our Privacy Policy:
We will describe what personal information we collect, how we protect it, and how we may use it.
We will provide a copy of our Privacy Policy at the start of the customer relationship and will provide current customers our Privacy Policy annually after that initial notice.

• We will maintain physical, electronic, and procedural safeguards to protect personal information we obtain about our customers.
• We will not share personal information with outside companies or consumer report information with other entities, except as permitted by law.
• We will require outside companies who provide services for us and to whom we disclose personal information to adhere to our Privacy Policy standards.
• We will also comply with any additional state requirements that relate to the use and protection of your personal information. In those states where there are more restrictive laws, we may provide a separate notice outlining the requirements of those laws.

Please read on for details about our practices for handling and securing your personal information. This Privacy Policy includes examples of the types of information we may collect and the kinds of companies and other entities with whom we may share information. These examples are illustrative and should not be considered a complete inventory of our information collection or sharing practices.

Information We May Collect
We may obtain information to provide you products and services you have requested, to determine your eligibility for products and services and to administer your account. We may collect identification, contact, transaction and experience information, for example, from you, our affiliates, and outside companies. Examples of the sources and types of information we may collect include:

• Applications, registration forms, or other forms containing your name, address, telephone number, e-mail address, income, assets, and accounts with others;
• Your transactions or experiences with us or outside companies, such as your insurance coverage, transaction history, claims history, and premiums;
• Credit reports from credit reporting agencies and other similar companies, such as your obligations with others, your driving record, medical claims, and social security number;
• Information from other companies to assist us in marketing our own products and services or products we offer jointly with other financial institutions, such as your name, address, and telephone number; and
• Information from you and others, such as information relating to your employment, other insurance coverage, habits, avocations, finances, credit, and other personal characteristics.
• Information We May Disclose and To Whom We May Disclose Information
• As permitted by law, we may disclose the personal information we collect. Unless specifically stated below, you cannot opt out of these disclosures. The service providers and others to whom we disclose information are obligated to use such information only for the purposes stated.

Disclosures may be made as follows:

Disclosures to Service Providers

• We may disclose all personal information we collect to others, such as insurance agents, banks, and administrators that provide services to you on our behalf, such as:
• Providing administrative, customer assistance, or other services;
• Preparing, printing and delivering statements and other documents;
• Marketing our products and services;
• Protecting against fraud; and
• Maintaining or developing software for us.
• In all cases, we will require service providers to whom we provide personal information to comply with our Privacy Policy and to use the information solely for the purposes for which we have retained them. Disclosure of personal information to these service providers is done to help us better serve you.

Disclosures to Other Companies
We may disclose identifying information, such as name, address, telephone number and transaction or experience information to other organizations within our network. We may disclose personal information to other companies, within our network, for purposes such as:

• Fulfilling your requests; and
• Offering you other products or services that we think may be of interest to you.
• Offering you other products or services that we think may be of interest to you
• We may disclose personal information we collect to other financial institutions (such as banks) with which we have joint marketing arrangements to jointly endorse or offer our products or services.

Other Disclosures Permitted By Law
We may make additional disclosures of information as permitted or required by law. For example, we may disclose information to law enforcement agencies or state insurance authorities.

No Disclosures for Other Purposes
We will not share your personal information with any outside company for any purpose other than those described above. For example, we will not sell personal information to outside companies that may wish to market their products and services to you. While we may offer products or services to you on behalf of such outside companies, we will not give your personal information to them.

When We Will Notify You
Where required by law, if you are a current customer, we will send you an annual Privacy Policy notice. If you are no longer a current customer, we will continue to follow our Privacy Policy and practices, but we will not automatically send you future privacy notices. We will always post our current Privacy Policy on our Web site.

Change In Privacy Policy
We reserve the right to modify or supplement our Privacy Policy at any time. If we make material changes, where required by law, we will provide our current customers with a revised notice that describes our new practices. We will always post our current Privacy Policy on our Web site.

Our Security Procedures
We maintain procedures and technology designed to prevent unauthorized access to personal information. We maintain physical, electronic, and procedural protections in accordance with applicable standards to protect personal information. We restrict access to personal information to employees and service providers for legitimate business purposes to assist in providing products or services to you. Employees who violate our Privacy Policy are subject to disciplinary action.

Online Privacy
In addition to the terms outlined above, the following terms also apply when you visit us on the

World Wide Web:
Online information and collection. You can visit us on the World Wide Web without telling us who you are or revealing any information about yourself, including your e-mail address. In this case, our Web servers collect the name of the domain you used to access the Internet, such as "aol.com" or "yahoo.com," and the Web site you came from and visit next.

We may select outside companies who provide services on our behalf and use this information in the course of delivering advertisements to you and to measure the number of visits, average time spent, page views, and other statistics about visitors to our Web site, in general. We may also use this data to monitor site performance and to make the site easier and more convenient to use.

We may aggregate statistics that we gather about our customers, sales, traffic patterns, and services, and provide these statistics to third parties. When we provide these statistics to third parties, however, they will not include any personal information that identifies you, unless you have agreed to receive personally-tailored information.

Cookies. Cookies are small pieces of data stored by your Internet browser on your computer's hard drive. We, along with thousands of other Web sites, use cookies to enhance your Web viewing experience and to measure your Web site usage. With the help of cookies, we may present you with customized offerings or content that may be of interest to you. We may also use cookies to recognize you on subsequent visits or to remember your user name so you do not have to re-enter it each time you visit our site. You may be able to set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that, by not accepting cookies, you may limit the functionality we can provide to you when you visit our site.

Links to other Web sites. We are not responsible for the information collection practices of other Web sites when you link to them from our Web site. We cannot guarantee how those parties use cookies or whether they place on your computer cookies that may identify you personally. You should carefully review the privacy policies of each Web site you visit to understand how they collect, use, and disclose information.

Information from Children. We do not knowingly solicit information from children and we do not intentionally market our products or services to children.

Email communications. Occasionally, we may send you e-mail communications with information that may be useful to you, including information about our products and services or about offerings from other companies or third parties. You will be given the option of not receiving any such e-mail messages, if you choose.
Encryption. We use encryption and authentication tools to protect information we gather on our Web site. E-mail communications outside of our Web site, however, may not be protected. If you are sending us an e-mail communication that includes highly confidential information, such as a credit card number, you may want to call us or send it by regular mail.

Access. In some cases, you may be able to update certain information that you provided to us. This may require you to use a unique user name and password (or "PIN"). Also, where the capability exists, you may request that we modify or delete information we have gathered during your visit to our Web site.

Visitors/Registered Users. As a visitor to our Web site, you may have access to certain features without telling us who you are or revealing any information about yourself. We will not gather any information about you when you are using these features. We may require you to become a registered member in order to gain access to and use other features. Once you become a registered member, we may collect personal information when you use our Web site.

The practices and policies contained in this Privacy Policy replace all previous notices or statements with respect to the same subject.

This Privacy Policy will not apply to your relationships with companies that are not part of our network, such as banks and independent insurance agents. Their privacy policies will govern how they collect, use and disclose personal information that you allow them to access.

This Privacy Policy applies only to the information collection practices of this website . Personal information obtained by other organizations will not be governed by this Privacy Policy; you should review the privacy policies of those specific to our network to understand how they collect, use and disclose personal information.

Issued: 08/10/2010

Privacy Policy for All Other States

This Privacy Policy does not apply to residents of California, Minnesota, Montana, New Mexico, North Dakota and Vermont.

If you are a resident of either California, Minnesota, Montana, New Mexico, North Dakota or Vermont, click here to view the appropriate CA, MN, MT, ND, NM and VT Privacy Policy.

How We Use and Protect Personal Information
Protecting your privacy is very important to us. We value your trust and we want you to understand what information we collect, how we protect it, and how we use it. We treat personal information -- nonpublic information that identifies you -- with respect and in accordance with this Privacy Policy. Personal information is essential to meeting our goal to provide you with our products and services.

This Privacy Policy is designed to provide information regarding how we collect, use and disclose personal information we gather when you visit our website on the World Wide Web. This Privacy Policy currently is applicable only to our United States customers and visitors (other than residents of California, Minnesota, Montana, New Mexico, North Dakota and Vermont) when they interact with our Web site.

Our Privacy Policy
This is our Privacy Policy:
We will describe what personal information we collect, how we protect it, and how we may use it. We will maintain physical, electronic, and procedural safeguards to protect personal information we obtain about our customers.

If you establish a relationship for a financial product or service outside our organization website, you will be provided with that company's privacy policy and may be provided with an opportunity to opt out of its sharing of personal or consumer report information. However, if you are only browsing this Web site and are not a current customer, you will not be provided with the opportunity to exercise any opt-out options until you establish a customer relationship with one or more of those companies.

We will honor our business relationships with other companies, such as banks, securities firms, brokerage general agents or mutual fund companies that restrict the sharing of personal information with others. If you have obtained a product or service through one of these relationships and we have agreed with that outside company not to share information about you, we will follow those privacy and data sharing restrictions.

We will require outside companies who provide services for us and to whom we disclose personal information to adhere to our Privacy Policy standards. We will also comply with any additional state requirements that relate to the use and protection of your personal information. In those states where there are more restrictive laws, we may provide a separate notice outlining the requirements of those laws.

Please read on for details about our practices for handling and securing your personal information. This Privacy Policy includes examples of the types of information we may collect and the kinds of companies and other entities with whom we may share information. These examples are illustrative and should not be considered a complete inventory of our information collection or sharing practices.

Information We May Collect
We may obtain information to provide you products and services you have requested, to determine your eligibility for products and services and to administer your account. We may collect identification, contact, transaction and experience information, for example, from you, our affiliates, and outside companies. Examples of the sources and types of information we may collect include:

• Applications, registration forms, or other forms containing your name, address, telephone number, e-mail address, income, assets, and accounts with others;
• Your transactions or experiences with us, our other companies, or outside companies, such as your insurance coverage, transaction history, claims history, and premiums;
• Credit reports from credit reporting agencies and other similar companies, such as your obligations with others, your driving record, medical claims, and social security number;
• Information from other companies to assist us in marketing our own products and services or products we offer jointly with other financial institutions, such as your name, address, and telephone number; and
• Information from you and others, such as information relating to your employment, other insurance coverage, habits, avocations, finances, credit, and other personal characteristics.
• Information We May Disclose and To Whom We May Disclose Information
• As permitted by law, we may disclose the personal information we collect. Unless specifically stated below, you cannot opt out of these disclosures. The service providers and others to whom we disclose information are obligated to use such information only for the purposes stated.

Disclosures may be made as follows:

Disclosures to Service Providers
We may disclose personal information we collect to others, such as insurance agents, banks, and administrators that provide services to you on our behalf, such as:

• Providing administrative, customer assistance, or other services;
• Preparing, printing and delivering statements and other documents;
• Marketing our products and services;
• Protecting against fraud; and
• Maintaining or developing software for us.
• In all cases, we will require service providers to whom we provide personal information to comply with our Privacy Policy and to use the information solely for the purposes for which we have retained them. Disclosure of personal information to these service providers is done to help us better serve you.

Disclosures to Other Companies
We may disclose personal information to other organization companies. We may disclose personal information to other organizations within our network for purposes such as:

• Fulfilling your requests; and
• Offering you other products or services that we think may be of interest to you.
• Disclosures to Outside Companies
• We may disclose personal information we collect to other financial institutions (such as banks) with which we have joint marketing arrangements to jointly endorse or offer our products or services.
• Insurance companies, banks, and other financial institutions;
• Retailers, direct marketers, airlines, and publishers; and
• Non-profit, professional, or social organizations.
• Disclosures for Joint Marketing Arrangements
• We may disclose personal information we collect to other financial institutions (such as banks) with which we have joint marketing arrangements to jointly endorse or offer our products or services.

Other Disclosures Permitted By Law
We may make additional disclosures of information as permitted or required by law. For example, we may disclose information to law enforcement agencies or state insurance authorities.

Change In Privacy Policy
We will always post our current Privacy Policy on our Web site.

Our Security Procedures
We maintain procedures and technology designed to prevent unauthorized access to personal information. We maintain physical, electronic, and procedural protections in accordance with applicable standards to protect personal information. We restrict access to personal information to employees and service providers for legitimate business purposes to assist in providing products or services to you. Employees who violate our Privacy Policy are subject to disciplinary action.

Online Privacy
In addition to the terms outlined above, the following terms also apply when you visit us on the World Wide Web:

Online information and collection. You can visit us on the World Wide Web without telling us who you are or revealing any information about yourself, including your e-mail address. In this case, our Web servers collect the name of the domain you used to access the Internet, such as "aol.com" or "yahoo.com," and the Web site you came from and visit next.
We and select outside companies who provide services on our behalf use this information in the course of delivering advertisements to you and to measure the number of visits, average time spent, page views, and other statistics about visitors to our Web site, in general. We may also use this data to monitor site performance and to make the site easier and more convenient to use. We may aggregate statistics that we gather about our customers, sales, traffic patterns, and services, and provide these statistics to third parties. When we provide these statistics to third parties, however, they will not include any personal information that identifies you, unless you have agreed to receive personally-tailored information.

Cookies. Cookies are small pieces of data stored by your Internet browser on your computer's hard drive. We, along with thousands of other Web sites, use cookies to enhance your Web viewing experience and to measure your Web site usage. With the help of cookies, we may present you with customized offerings or content that may be of interest to you. We may also use cookies to recognize you on subsequent visits or to remember your user name so you do not have to re-enter it each time you visit our site. You may be able to set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that, by not accepting cookies, you may limit the functionality we can provide to you when you visit our site.

Links to other Web sites. We are not responsible for the information collection practices of other Web sites when you link to them from our Web site. We cannot guarantee how those parties use cookies or whether they place on your computer cookies that may identify you personally. You should carefully review the privacy policies of each Web site you visit to understand how they collect, use, and disclose information.

Information from Children. We do not knowingly solicit information from children and we do not intentionally market our products or services to children.
Email communications. Occasionally, we may send you e-mail communications with information that may be useful to you, including information about our products and services or about offerings from other companies or third parties. You will be given the option of not receiving any such e-mail messages, if you choose.

Encryption. We use encryption and authentication tools to protect information we gather on our Web site. E-mail communications outside of our Web site, however, may not be protected. If you are sending us an e-mail communication that includes highly confidential information, such as a credit card number, you may want to call us or send it by regular mail.

Access. In some cases, you may be able to update certain information that you provided to us. This may require you to use a unique user name and password (or "PIN"). Also, where the capability exists, you may request that we modify or delete information we have gathered during your visit to our Web site.

Visitors/Registered Users. As a visitor to our Web site, you may have access to certain features without telling us who you are or revealing any information about yourself. We will not gather any information about you when you are using these features. We may require you to become a registered member in order to gain access to and use other features. Once you become a registered member, we may collect personal information when you use our Web site.

"Opting Out" - Consumer Selections Regarding Information Sharing
We are committed to protecting personal information, and to using or sharing it in ways that will improve or expand upon the services we provide to you.

If you establish a relationship for a financial product or service through companies within our network, you will be provided with that company's privacy policy and may be provided with an opportunity to opt out of the sharing of personal or consumer report information. However, while browsing this Web Site, you will not be provided with the opportunity to opt out until you establish a customer relationship.

The practices and policies contained in this Privacy Policy replace all previous notices or statements with respect to the same subject.

This Privacy Policy will not apply to your relationships with companies that are not part of our network, such as banks and independent insurance agents. Their privacy policies will govern how they collect, use and disclose personal information that you allow them to access.

This Privacy Policy applies only to the information collection practices of our network. Personal information obtained by our other companies will not be governed by this Privacy Policy; you should review the privacy policies of those specifically to understand how they collect, use and disclose personal information.

Issued: 08/10/2010