Dear Policyholder:

Congress has recently passed legislation that requires financial institutions to establish policies and procedures for protecting the privacy of non-public personal financial information. This legislation also requires us to provide customers with a copy of our privacy policy. This includes protection of Social Security Numbers.

Our policy:
We respect your right to privacy. We do not sell customer information or provide customer information to non-affiliated organizations for their own marketing purposes. We only collect information that is relevant and necessary to our business. We limit employees’ access to those who need to and are trained in the proper handling of personal information.

Our procedures:
We get most of our information directly from you or your agent. The application you complete, as well as any other information you or your agent provides is usually all we need. Sometimes, if we need more information or need to verify information, we may contact you by phone or mail.

We treat all information we receive about you in a confidential manner. We restrict access to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information and require employees to comply with established policies.

We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Generally this disclosure is made when it is necessary to conduct our business. For example, we may use affiliated and non-affiliated companies to assist us in settling claims, performing property inspections, providing data processing assistance, protecting against fraud, as well as those who perform audits and research for us or those in law enforcement or government regulatory agencies.

This notice is for your information. No response is required. If you feel the need to contact us about your information, we will generally make it available to you, providing it does not concern claims or other legal matters. If you feel the information is incorrect, we will correct it if we agree. If not, your opinion will be made a permanent part of your file.