At U.S. Legal Services, we recognize that privacy and the unauthorized use of nonpublic personal information are of significant concern to our customers. We want to assure you that U.S. Legal Services is committed to keeping all such personal information you furnish to us through any medium, including the Internet, confidential. To help ease your concerns, we have set forth below a series of questions and answers that we believe addresses the most important issues related to your privacy and our use of your personal information. You should be aware that occasionally we may revise this Privacy Statement. You may also visit our Web page periodically on the Internet at www.uslegalservices.net and review our Privacy Statement.

1. What type of personal information about me does U.S. Legal Services collect?
We collect personal information about you when you apply for one of our products, use one of our services, or obtain other information from us. Depending on your state of residence and the nature of your transaction with us, the types of personal information we may collect could include: your name, marital status, date of birth, the names and dates of birth of other persons in your household, address, telephone number, social security number, and/or your e-mail address. Personal information about you will not be collected unless you consent or we are otherwise permitted by law to obtain it. We collect personal information about you from telephone conversations with you; applications.

2. How does U.S. Legal Services use my personal information?
As a general matter, we use your personal information to: provide claim services; provide or offer other personal financial and consumer products and services; and provide, maintain and improve customer service.

3. Who else might receive or use the personal information that I provide to U.S. Legal Services?
Our affiliated companies may share information about you with each other. Occasionally we also may share your information with unaffiliated third parties. However, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law. These disclosures are generally described as follows:
Among our Group of Companies. Companies within the U.S. Legal Services may share information about you, including information that: identifies you; describes our transactions and experiences with you, and helps us determine your credit and insurance eligibility. U.S. Legal Services provides a variety of products and services through several separate companies. To provide you with improved service and inform you of product opportunities that may be available to you, the companies within the U.S. Legal Services Group may share such information about you among themselves. For example, some of our affiliated companies share or receive information to provide technical or operational support services - such as to prepare notices concerning your insurance policies or accounts with us or to provide data processing services. In addition, insurance policy information may be shared to assist in resolving a claim on your policy. Other of our affiliated companies may provide you information about other insurance products and non-insurance consumer products and financial services offered by them directly or through them acting as an agent on behalf of another organization.

4. Do I have a choice regarding the use and distribution of my personal information among U.S. Legal Services affiliates or with unaffiliated third parties?
You have the right to prevent our sharing certain information about you in certain circumstances. However, there are other circumstances where we are lawfully allowed or required to share information about you without your consent. These circumstances include: among our affiliates, for example, if the information relates to your identification (such as your name and address) or to your transactions and experiences with us (such as your payment record); with a third party, for example, if it is necessary to provide services to effect, administer or enforce a transaction requested by you; with any of our affiliated companies that provide such services to you; with regulatory authorities; and when otherwise required by law or legal process. In those circumstances, it is our policy to share your information only to the extent required or allowed by law.
If you prefer that we do not share your personal information with third parties or among our own affiliated companies (unless the information is otherwise required or allowed by law to be shared without your consent), then please call us toll-free at 800-356-LAWS. Please have all of your policy, note, and other account numbers available when you call. If you are a new customer, please allow five (5) business days after the date of your transaction with us before you call. You understand that if you call and ask us not to share your personal information, you may not receive valuable information about financial and other consumer products and services (possibly including certain types of discounts or other special offers) that could be of interest to you and your family.

5. How do you maintain the confidentiality and security of the personal information I provide?
We maintain physical, electronic, and procedural safeguards that comply with industry standards to guard your nonpublic personal information. Employee access to your personal information is limited to those employees with a business reason to know such information about you. Our employees are trained about the importance of maintaining the confidentiality of your information and your privacy; and we will take disciplinary or other corrective action to ensure that our employees comply with our privacy policy.

6. How will U.S. Legal Services correct inaccuracies in my personal information?
It is important to us that all information about you in our files (including nonpublic personal information) is accurate. You can help us by providing up-to-date information and notifying us of any inaccuracies in your information. You can notify us by calling our Customer Service Department at 800-356-LAWS. Please provide all of your policy, note, and other account numbers when you write, or have these numbers available when you call.
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We hope that this information has answered any questions you may have about why we need to collect certain private information about you and how we strive to protect that information. Maintaining your trust and confidence is an important part of our commitment to providing superior customer service to you.
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Privacy 10-03
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INTERNET PRIVACY STATEMENT AND SECURITY
In addition to your in-person transactions with us, U.S. Legal Services also is concerned with and sensitive to privacy issues related to your use of the Internet. We are committed to protecting the privacy of any information we receive from you on the Internet, and to the appropriate use of that information. Any information received from visitors to our web site will not be used for direct marketing or solicitation of business or for any other purpose. Direct does not release personal information obtained from the use of our web site to any other party unless we are permitted or required to do so by law. Information may only be accessed within U.S. Legal Services by personnel who have a legitimate business reason to access it. Currently we do not save any information that you temporarily provide to us when you log on to our web site. Our web site is made available solely for the purpose of providing information about U.S. Legal Services, its available products and services, and e-mail access to certain members of our staff. If our Internet Privacy Policy should change in the future, this Statement will be revised to reflect those changes.

If you have additional questions, you may send email to privacy@uslegalservices.net