It is common for an insurance company or other financial services company to contact independent sources. Such sources verify and supplement NPI given on an application for insurance or other financial services products. There are many such independent companies. These are commonly called "consumer reporting agencies". They are in the business of providing independent NPI to insurance companies. We will treat the NPI we receive about you from independent sources according to the terms of this Notice. You have the right to contact any of the agencies we have used to prepare a report on you. If you wish, please submit your request in writing to the address shown below. Upon our receipt of your written request, we will provide you with the name and address of any agency used to prepare a report on you. Please note that your request must follow the procedures outlined under Sections V. and VI. below.

II. WHAT WE DO WITH INFORMATION WE COLLECT ABOUT YOU

We will keep NPI we have about you in our insurance policy or other records. We will refer to and use that NPI in order to issue and service insurance policies and other financial products. We will also use it to settle claims. Generally, we will not disclose NPI about you in our records to any organization not affiliated with Peterson Insurance Services without your prior permission. But, we may, as allowed by law, share NPI about you contained in our records with certain persons or organizations that are not affiliated with Peterson Insurance Services such as:

* your insurance representative;

* medical professionals;

* other insurance companies, agents or consumer reporting agencies as NPI is needed in connection with any insurance application, policy or claim involving you;

* our affiliated companies;

* persons who represent you in a fiduciary capacity, including your attorney or trustee, or who have a legal interest in your insurance policy;

* persons or organizations who need the NPI to perform a business, professional or insurance function for us;

* persons or organizations that conduct research, including actuarial or underwriting studies, provided that no individual NPI may be identified in any research study report;

* adjusters, appraisers, auditors, investigators and attorneys;

* persons or organizations that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements; and

* a court, state insurance department or other government agency pursuant to a summons, court order, search warrant, subpoena, or as otherwise required by law or regulation.

Health Information

Except as allowed or required by law, we will not use or share any personally identifiable health information about you, other than as follows. We will use such information to underwrite or administer your policy, claim or account, or in a manner as previously disclosed to you by us when we collected it. The above will not apply if we have obtained your written consent to share information.

III. RESPONSIBILITIES OF OTHER PARTIES

This Notice applies only to Peterson Insurance Services. It does not necessarily reflect the privacy standards of other financial institutions or independent agents with whom you do business. Their privacy policies and information practices govern how they collect, use and disclose NPI about you. As described above, we may disclose your nonpublic personal financial or health information to third parties. When we do so, we will require them to use such NPI only for its intended purpose in accordance with applicable law.

IV. WHO HAS ACCESS TO YOUR INFORMATION IN OUR RECORDS

At present, Peterson Insurance Services uses a system of passwords and other physical, electronic and procedural safeguards to protect your NPI. They are designed to protect against unauthorized access to your NPI. We train our employees about the policies and rights provided under this Notice. We also train them on the importance of protecting customer NPI. Employees who violate our policy in any way are subject to being disciplined. This could include actions up to and including termination of employment. Also, we evaluate our information security practices relevant to changes in technology. We will do so to determine ways to increase the protections outlined above.

V. HOW YOU CAN REVIEW RECORDED INFORMATION WE HAVE ABOUT YOU

You have the right to review and receive a copy of most of your NPI that is kept in our files with respect to your insurance policy. As permitted or required by law, some legal and medical documents will not be provided. You further have the right to request that we correct any of this NPI. To exercise these rights, you must send us a notarized request at the address shown in Section VI. This request must state your complete name, address, policy number, daytime phone number, and a copy of your driver's license or other personal identification. Let us know if you believe any NPI in our records is incorrect. We will investigate and correct it if we can verify the error. Even if we do not correct the NPI, you have the right to file a written statement of dispute with us. We will include such statement in any future disclosure of that NPI.

VI. HOW TO CONTACT US

Once you have read this, if you have any questions about our privacy policy or the NPI kept in our records about you, please write to us at the address shown below:

Peterson Insurance Services

14866 South East 25th. Avenue

Summerfield, Florida 34491-3865

Attn: Barbara J. Peterson