Dear Customers of Combined Insurance Services,

Re: Gramm-Leach-Bliley Act - Privacy Policy - Effective 7/1/01

Federal and State laws require that we establish a privacy policy and inform you annually of that policy. Please accept this letter as that notification and future notification will be done with your insurance billing. We want you to know that your privacy is our top priority. We do collect personal information about you to take care of your insurance needs. We pledge to maintain the confidentiality of that information. We do not sell, rent or give away informa­tion you have entrusted to us. This notice describes our current privacy policy and practices:

Privacy & Security:

We have strict policies and procedures in place to safeguard the privacy and security of your personal information. Your personal information is contained in cur confidential files and the public has no access to them. It is used strictly by employees of our company and strictly for the implementation of your insurance needs which include sharing it with insurance company employees with whom we are placing or trying to place your insurance.

Types and use of personal information collected:

Examples of information we collect from you or about you include: your name, address, telephone number, your health, financial, credit and driving history. This information may be obtained from an application or claim form, or it may be acquired from other sources, such as medical forms or reports, and credit reporting agencies. This information is used strictly to administer to your insurance needs and strictly as permitted by law.

Safeguarding your Medical Information:

We assure you that we do not rent, sell or give your medical information to anyone. It is used strictly fur the purposes of underwriting for your insurance needs and where permitted by law.

When we may Disclose Information:

We respect the confidentiality of your personal information. Your information is only shared where permitted by law and used for the underwriting or administering of your insurance needs. It may be shared with insurance company underwriters for the purposes of writing your insurance, or with auditors, consultants and claims representatives directly relating to your insurance account and needs. The information is not sold or rated.

Information on former clients is also not disclosed without your approval and is not sold or rented to others. We welcome your inquiries. Phase contact us at telephone number 206-632-1211 or at 4465 Fremont Ave. N., Seattle, WA

Sincerely,

Combined Insurance Services Corporation