The Charles Stewart Company understands your privacy is important. This notice will help you understand what types of nonpublic personal information–information about you that is not publicly available–we may collect, how we use it and how we protect your privacy.

The Charles Stewart Company's PRIVACY POLICY HIGHLIGHTS

• We collect nonpublic personal information to process and administer our customers business.

• We have policies and procedures in place to protect nonpublic personal information about our customers.

• We do not sell nonpublic personal information about our customers to third parties, i.e., companies or individuals that are not affiliated with The Charles Stewart Company.

• We do not disclose any nonpublic personal information about our customers to anyone, except as permitted by law or for which you have provided your consent.

• We do not share or use personally identifiable health information for marketing purposes.

• Our Privacy Policy applies to both current and former customers.

QUESTIONS AND ANSWERS that detail The Charles Stewart Company's Privacy Policy

What types of nonpublic personal information does The Charles Stewart Company collect?

• The Charles Stewart Company and its employees, representatives, agents and selected third parties as authorized by law may collect nonpublic personal information about our customers including, but not limited to:

  - Information provided to us, such as on applications or other forms

  - Information about transactions with us, our affiliates or third parties

  - Information from others, such as credit reporting agencies, employers and federal and state agencies.

What does The Charles Stewart Company do to protect nonpublic personal information?

• We restrict access to nonpublic personal information to those employees, agents, representatives or third parties who need to know the information to provide products and services to our customers.

• We have policies and procedures that give direction to our employees, and agents and representatives acting on our behalf, regarding how to protect and use nonpublic personal information.

• We maintain physical, electronic and procedural measures to protect nonpublic personal information.

With whom does The Charles Stewart Company share nonpublic personal information, and why?

• We do not share nonpublic, personal information about our customers with anyone, including other affiliated The Charles Stewart Company companies or third parties, except as permitted by law or with companies for which you have provided your consent.

Does The Charles Stewart Company's Privacy Policy apply to its agents and representatives?

• The Charles Stewart Company's Privacy Policy applies, to the extent required by law, to its agents and representatives when they are acting on behalf of The Charles Stewart Company.

• Please note: There may be instances when these same agents and representatives may not be acting on behalf of The Charles Stewart Company, in which case they may collect nonpublic personal information on their own behalf or on behalf of another. In these instances, The Charles Stewart Company's Privacy Policy would not apply and the agent or representative should provide you with a privacy notice from other entities which they may represent.

Will The Charles Stewart Company's Privacy Policy change?

• The Charles Stewart Company reserves the right to change any of its privacy policies and related procedures at any time, in accordance with applicable federal and state laws. You will receive appropriate notice if our privacy policy changes. This Privacy Notice is provided to you for informational Purposes only. You do not need to call or take any action in response to this notice. We recommend that you read and retain this notice for your personal files.