HBI Insurance Services, Inc.

Consumer Privacy Policy

Effective Date: April, 2006

HBI appreciates the trust you place in us when you purchase insurance from one of our companies. We are committed to protecting your nonpublic personal information ("personal information") and we value you as a customer.

To learn more about how HBI collects and uses your personal information, please read the following notice.

HBI's sources of information about you

We collect personal information about you from different sources, including:

• The information you provide on applications or other forms (such as your name, address and Social Security number)
• Your transactions with us, our affiliates or others (such as your payment history and claims information)
• The information we receive from a consumer reporting agency or insurance support organization (such as your credit history, driving record or claims history)
• Your independent insurance distributor (such as updated information pertaining to your account)

HBI's use of your personal information

We only disclose personal information about our customers and former customers as permitted by law. Generally, this includes disclosures to third parties to effect, administer or enforce your transactions with us, or in connection with servicing your insurance policy. These third parties may include our partners, independent contractors (such as automobile repair facilities and property inspectors), independent claims representatives, insurance support organizations, auditors, attorneys, courts and government agencies. We may also disclose your personal information to other financial institutions with whom we have joint marketing agreements. Before disclosing your personal information, we require these parties to enter into an agreement with us that includes a confidentiality provision.

We may also share information about our transactions (such as payment history and products purchased) and experiences (such as claims made) with you within our HBI family of companies.

HBI does not sell your personal information to others and we do not provide your information to third parties for their own marketing purposes.

Information about HBI web site

Information collected:
We collect personal information (for example, name, address, e-mail address) on our web site only when you voluntarily provide it to us. Only your domain is recognized when you visit our web site; your individual e-mail address is not.

Information sharing and use:
HBI does not sell information about you to others. If you only browse our web site and do not supply any information, you will not receive unsolicited e-mail, telephone calls, or other marketing materials from HBI as a result of your visit.

Information Collected When You Visit this Website:
When visiting this website, our server automatically collects and stores the following information about your visit:

• The Internet Protocol address and domain name of your Internet service provider. The Internet Protocol address is a numerical identifier assigned either to your Internet service provider or directly to your computer, which can be used to direct Internet traffic to you
• The type of browser and operating system you used
• The date and time you visited this site
• The web pages or services you accessed at this site
• The URL or web site address of the web site you visited prior to coming to this website and from which any web page on this site was linked. This information is used to improve this website's content and to help us understand how people are using this website. This information is collected for statistical analysis, to determine what information is of most and of least interest to our visitors, and to identify system performance or problem areas. The information is not collected for commercial marketing purposes and HBI does not sell or distribute the information collected from the Portal for commercial marketing purposes.

Browsers & Security:
HBI has security measures in place to protect the loss, misuse, and alteration of information. Our servers are located in the United States of America and are designed to prevent unauthorized access.

Links to other sites:
HBIInsurance.com contains links to other web sites. These other web sites are not under HBI's direct control, and they may collect information about you that HBI does not. We are not responsible for the privacy practices or the content of linked web sites.

Your medical information

If HBI obtains medical information about you, it is done only in connection with specific claims.
We will not use or share personally identifiable medical information for any purpose other than the administration of your claim or as otherwise disclosed to you when the information is collected.

Reviewing Your Information

You can request a copy of the information about you that we have in our files to review it for completeness and accuracy. Your request must be in writing. Within 30 business days (or as required by law) of receiving your written request, we will send you the information.

Changes to this Statement

Please be aware that we may periodically update or revise this Statement. Please check our Consumer Privacy Statement frequently for changes.