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Privacy Policy Notice
As of July 1, 2009

PURPOSE  OF  THIS  NOTICE

State and Federal laws generally prohibit any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed.  In compliance with these laws, we are providing you with this document, which notifies you of the privacy policies and practices of this agency. 

   OUR  PRIVACY  POLICIES  AND  PRACTICES 

1.  Information we collect:

We collect nonpublic personal information about you from the following sources: 

            *Information we receive from you on applications and other forms.

            *Information about your transactions with us, our affiliates or others.

            *Information we receive from a consumer reporting agency. 

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you. 

2.  Information we disclose to Nonaffiliates:

We do not disclose any nonpublic personal information about you to any nonaffiliated third parties, except as permitted by law.  Disclosures which are permitted by law include, but are not limited to, disclosures which are necessary to service your policy, to investigate and pay claims, and to process transactions that you request.  

3.  Information we may disclose to third parties:

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

4.  Our practices regarding information confidentiality and security:

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or service to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. 

5.  Our policy regarding dispute resolution:

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. 

6.  Reservation of the right to disclose information in unforeseen circumstances:

In connection with the potential sale or transfer of its interests, this agency and its affiliates reserve the right to sell or transfer your information (including but no limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be this agency’s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.

Questions:

If you have any questions or concerns regarding this Privacy Policy, please feel free to contact us.