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PRIVACY NOTICE

Notice of Privacy Policy and Insurance Information Practices
American Compensation Service

American Compensation Service is committed to protecting the privacy of our valued clients. We value the importance of our relationship with our clients, and understand that the issue of privacy is very important. We collect private information from our clients that includes name, address, social security number, income and health history information. All this information is used during the proposal and underwriting process. The following notice describes our policies and practices with regard to collecting and disclosing nonpublic personal information about our customers and former customers.

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 contained in our records. We restrict access to nonpublic personal information about you contained in our records to our 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 our affiliates, others or us.
" Information we receive from consumer reporting agencies.
" Information about your transactions with us from the carriers we contact to underwrite your insurance.
" Information contained in medical records or from medical professionals that is related to your application.
" 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 information about you to our affiliates, which include but are not limited to the actual carriers that you apply to and third-party administrators. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law.

Accuracy of Your Nonpublic Personal Information That We Possess
We strive to maintain the accuracy of your information. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any of your information in our possession is inaccurate you may request that we amend, correct or delete the information that you believe to be erroneous. If we concur with your conclusion, we will amend, correct or delete the information in question.

Linked Sites
For your convenience, this website contains links to other websites that may be of interest to you. However, you should be aware that American Compensation Service has no control over these linked sites. The privacy policies of these linked sites may not conform with the privacy policy maintained by American Compensation Service or any other privacy statement. We recommend that you check the privacy policy of any website you visit.

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 decide to make changes to our privacy policy, we will post these changes on our website. Please review this page periodically for changes.

Your business is important to us and we are committed to providing you with excellent customer service. If you have any questions or comments, please call our Customer Service Center toll-free at (888) 866-1801 between the hours of 8:00 A.M. and 5:00 P.M. Pacific Standard ime, Monday through Friday.

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Copyright 2002, American Compensation Service
CA License #0323947