Privacy Policies and Practices

FOUR STAR INSURANCE AGENCY INC. PRIVACY POLICIES AND PRACTICES 7/1/01

1. Information we collect: We collect nonpublic personal information about

you from the following sources:

•Information we receive from you on applications or other forms.

•Information about your transactions with us, our affiliates or others.

•Information we receive from a consumer reporting agency.

•Information we receive from medical records or medical professionals as may

be required in applications for life & health insurance.

2. Non-discloser of information to third parties: We do not disclose any

nonpublic personal information about our customers or former customers to

anyone, except as required or permitted by law.

3. Our practices regarding information confidentiality and security: We

restrict access to nonpublic personal information about you to those

employees who need to know that information in order to provide products or

services to you. We maintain physical, electronic, and organizational

safeguards to protect your information.

4. Our policy regarding dispute resolution: Any controversy of claim

arising out of or relating to our privacy policy, or the breach thereof,

shall be settled by arbitration in accordance with the rules of the American

Arbitration Association, and judgment upon the award rendered by the

arbitrator(s) may be entered in any court having jurisdiction thereof.

5. Reservation of right to disclose information in unforeseen

circumstances: In connection with the potential sale or transfer of its

interests, this agency and its affiliates reserve the right to sell or

transfer your information (including but not limited to your address, name,

age, sex, and state of residency and other information that you provide

through other communications) to a third party entity that: (1) concentrates

its business in a similar practice or service: (2) agrees to be this

agency's successor in interest with regard to the maintenance and protection

of the information collected: and (3) agrees to the obligations of this

privacy statement.