A. Categories of Information Collected and Sources From Which We Collect It

We collect nonpublic personal information about you from the following sources:

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

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

3. Information we receive from a consumer reporting agency.

4. Information we receive from medical records or medical professionals.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

B. Persons From Whom Information is Collected

We may collect nonpublic personal information from individuals other than those proposed for coverage.

C. Information From Credit Reports or Investigative Consumer Reports

If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we do request such information, you should be aware that:

1. You have the right to request to be interviewed in connection with the preparation of such a report.

2. Upon request, you are entitled to receive a copy of the report.

3. The information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:

Information we receive from you on applications or other forms, such as your name, address, value of inventory (for crop insurance only).

As we have indicated in this Privacy Policy Notice, we collect certain personal information about you and we may disclose that information to certain nonaffiliated third parties. We are permitted by law to disclose your personal information in the circumstances described in paragraph 2 without your permission. FOR ALL OTHER DISCLOSURES, WE ARE REQUIRED TO OBTAIN YOUR AUTHORIZATION. The disclosures that first require your authorization are described in more detail on a separate authorization form that we will provide to you.

A. Information we can share with our affiliates, unless you tell us not to:

1. Information we obtain from your insurance application, such as your income or your marital status.

2. Information we obtain from a consumer report, such as your credit score or credit history.

3. Information we obtain to verify representations made by you, such as your open lines of credit; and

4. Information we obtain from a person regarding its employment, credit or other relationship with you, such as your employment history.

B. Our affiliated companies who may receive this information are insurance companies (Florists' Mutual Insurance Company and Florists' Insurance Company).

C. How to tell us not to share this information with our affiliated companies:

If you prefer that we not share this information with our affiliated companies, you may direct us not to share this information by checking the appropriate box on the attached form and returning it to us.

You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within 2 years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:

To obtain access to your information. You should submit a request in writing to the Compliance Department, Hortica Insurance & Employee Benefits, #1 Horticultural Lane, Edwardsville, Illinois 62025. The request should include your name, address, social security number, telephone number and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.

To correct, amend, or delete any of your information. You should submit a request in writing to the Compliance Department, Hortica Insurance & Employee Benefits, #1 Horticultural Lane, Edwardsville, Illinois 62025. The request should include your name, address, social security number, telephone number, the specific information in dispute and the identity of document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.

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 procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Any controversy or 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.

In connection with the potential sale or transfer of its interests Hortica Insurance & Employee Benefits and its affiliates reserve the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country 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 Hortica Insurance & Employee Benefits' successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.