PRIVACY POLICY DISCLOSURE

Dear Client:

As a current customer of our Agency, we take this opportunity to both thank you and share with you the importance we attach to maintaining the privacy and confidentiality of your insurance and personal information.

Stewart-Keator-Kessberger & Lederer, Inc., as a member of the financial services industry, has been and continues to be subject to federal and state privacy laws regarding the collection and exchange of your insurance information.

Working with you, SKK&L gather the necessary information from you and other public and insurance sources to execute the insurance market search and placement for the insurance coverage your needs/risk exposures require. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms;
• Information about your transactions with us, our affiliates or others;
• and Information we receive from a consumer-reporting agency.

In doing so, SKK&L exchanges such information only with other insurance related parties that are similarly obligated under state and federal privacy laws and have in place the appropriate procedures to keep all treatments and exchanges of your information within the requirements of these laws.

We may disclose all of the information we collect, as described above.

And as we place your insurance with these carriers, both our Agency and the carriers work together (as well as individually) to retain uses for only those activities required to underwrite, issue and service your insurance policy and should it be necessary, to conduct claims activities on your behalf. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We know that you have other choices when it comes to insurance and financial services. This is why we at SKK&L appreciate your decision to place your financial service needs with us. We value you and your business, and look forward to a continuing client relationship with you.

Should you have any questions, please do not hesitate to call.