PURPOSE OF THIS NOTICE

The Gramm-Leach-Bliley Act (GBLA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic information about you with a non-affiliated 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 the GBLA, we are providing you with this documentation, which notifies you of the privacy policies and practices of Martin & Zerfoss, Inc.

The GBLA further requires that we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for any purpose that is not specifically authorized by law. Your right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for a purpose that is not specifically authorized by law is called your right to "opt out" of such information sharing.


OUR PRIVACY POLICES AND PRACTICES

1. Information we collect:

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

• Information we receive from you on applications or other forms, or policy change information.
• Information about your transactions with us, our affiliates or others.
• Information we receive from a consumer-reporting agency.
• Information we receive from a medical information bureau.
  

2. Information we may disclose to third parties:

We may disclose all of the information we collect, as described above, as described above, about our customers or former customers, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We also may disclose information about our customers or former customers as permitted by law.

3. Non-affiliated third parties to whom disclosures may be made:

A. Non-affiliated Third Parties to Whom Disclosures May be Made

We may disclose nonpublic personal information about you, such as we have described above, to the following types of third parties that perform marketing services on our behalf or with whom we have joint marketing agreements:

Fulfillment service providers, such as envelope stuffing services, billing and enrollment services or other services.

Other insurance agencies or companies that perform services for us in connection with carrying out an insurance transaction involving you or your policy.

B. Notification of Your Right to Opt Out of Certain Disclosures

As we have indicated in this Privacy Policy Notice, we collect certain nonpublic personal information about you, and we may disclose that information to certain non-affiliated third parties for purposes other than those expressly permitted by the Gramm-Leach-Bliley Act and the federal and state regulations implementing that Act. If you prefer that we do not disclose nonpublic personal information about you to non-affiliated third parties, you may opt out of these disclosures, that is, you may direct us not to make those disclosures (other than those disclosures that are expressly permitted by the Gramm-Leach-Bliley Act and its implementing regulations).

If you wish to opt out of such disclosures to non-affiliated third parties, please so indicate on the attached Opt Out Form, which follows.

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 services to you. We maintain physical, electronic and organizational safeguards to protect information about you.

OPT OUT FORM

(as of July 1, 2001)

Please read the text below and decide whether you wish to exercise your right to opt out of the information sharing described. If you choose to exercise your right to opt out, you must return this form to us at P.O. Box 121587, Nashville, TN, 37212-1587. If you return this form to us by mail, your response must be postmarked no later than 30 days from the date you received this notice from us in order for it to be valid. If you do not return this form to us within 30 days, you have not exercised your opt out right, and we can share the information described.

I wish to exercise my right under the Gramm-Leach-Bliley Act to opt out of Martin & Zerfoss, Inc.'s sharing nonpublic personal information about me to non-affiliated third parties for purposes other than those that are permitted by law.

 

 

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