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

· Information we received from you on applications or other forms;

· Information about your transactions with us or others, and

· Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Your confidence in us is important and we want you to know that your personal and account information is safe.  If you have any questions or concerns, please contact us.

Colorado Privacy Notice:
Notice to the Applicant:  The Fair Credit Reporting Act requires that we advise you that THE COMPANY may order an investigative consumer report as part of the underwriting process.  If such a report is ordered, the company will notify you.  You have the right to request information on the nature and scope of such a report.  Any information developed will be held in the strictest confidence.

Any person who knowingly provides false information in an application for insurance with the intent to defraud an insurance company or another person, or who conceals any information concerning a material fact for the purpose of misleading, commits a fraudulent act, which is a crime.