Confidentiality and Security of Your Nonpublic Personal Information

We maintain appropriate physical, electronic and procedural safeguards to maintain the confidentiality and security of your nonpublic personal information. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

Categories of Information That We Collect

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

• Information that we receive from you on applications and other forms;
• Information about your transactions with us, our affiliates or others;
• Information that we receive from a consumer protection agency; and
• Information that we receive when you visit us through the Internet.

Categories of Parties to Whom We May Disclose Information

We may disclose nonpublic personal financial information about you to our affiliates. We may also disclose all of the information that we collect, as described above, to other agencies that assist us in marketing our products or to other financial institutions with which we have joint marketing arrangements.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law.

WE WILL NOT SELL YOUR INFORMATION TO THIRD PARTIES, SUCH AS RETAILERS, DIRECT MARKETERS, OR PUBLISHERS, FOR THEIR USE FOR SOLICITATION LISTS

Changes to Our Notice of Privacy Policy and Insurance Information Practices We reserve the right to change our privacy policies and insurance information practices. If we make any material changes to our policies or practices, we will provide you with a copy of a revised notice.

Your business is very important to us and we appreciate the opportunity to work with you for your insurance needs. If at anytime we can be of assistance or you have any questions, please let us know.