ALIGN™ represents licensed insurers and through its producers requests and
obtains from consumers and customers nonpublic personal financial
information, as defined below ("Nonpublic Personal Financial Information"), for
use in connection with providing certain insurance products.

It is understood Nonpublic Personal Financial Information includes personally
identifiable financial information and any list, description or other grouping of
consumers, and publicly available information pertaining to them, that is derived
using any personally identifiable financial information that is not publicly
available. "Personally identifiable financial Information" means any information a
consumer provides ALIGN™ to obtain a financial product or service,
information otherwise obtained about a consumer in connection with
providing a financial product or service to that consumer, and any information
about a consumer resulting from any transaction involving a financial product
or service between ALIGN™ and a consumer. Personally identifiable financial information includes a consumer's name, address, zip code, email address, phone number, credit history, social security number, drivers license number, date of birth and any other information that itself identifies, or when tied to the above information, may identify a consumer.

Pursuant to the Gramm-Leach-Bliley Act of 1999 (the "GLB Act") and state
insurance laws and regulations promulgated thereunder requiring that financial
institutions develop policies to protect the confidentiality of Nonpublic Personal
Financial Information, ALIGN™ has prepared a privacy notice regarding its privacy
practices, which may be amended from time to time in accordance with the GLB
Act and the state insurance laws and regulations of those states in which
products are sold (the "Privacy Notice"). The Privacy Notice is provided to
consumers and states that (1) ALIGN™ does not disclose any Nonpublic Personal
Financial Information to any third party except as set forth in the Privacy Notice;
and (2) the Privacy Notice does not provide the consumer an opportunity to
opt out of disclosure of their Nonpublic Personal Financial Information for
purposes of the GLB Act.

The Privacy Notice is sent to all insureds at the inception of their insurance policy and annually thereafter as long as the insurance policy remains in force. ALIGN™ will not disclose or use Nonpublic Personal Financial Information obtained other than in
connection with the duties and obligations set forth in the insurance contract and in connection with servicing and processing a product that a consumer requests or
authorizes in the ordinary course of business and except as otherwise set forth in the
Privacy Notice or as otherwise provided by applicable federal and state laws and regulations.