We collect nonpublic personal information about you from the following sources: Information we
receive on applications, subscription documents, or other forms and information about your
transactions with our affiliates, others, or us. We do not disclose any non-public information about our
current or former customers to anyone, except as permitted by law or in order to provide the current
services. Our employees have limited access to your personal information based on their responsibilities
to provide products or services to you. Be assured that we maintain physical, electronic and procedural
safeguards in compliance with federal standards to protect your information.