Disclosures

FEDERAL SALE OF INSURANCE DISCLOSURE
(As REQUIRED by the FDIC)

Product refers to any insurance product or annuity purchased from Saylor Insurance Service, Inc.
With regard to any Product purchased, the following apply:

• The Product is not a deposit account or other obligation of any depository institution or any affiliate of any depository institution.
• The Product is not guaranteed or insured by any depository institution or any affiliate of any depository institution.
• The Product is not insured by the Federal Deposit Insurance Corporation (FDIC).
• The Product, except in the case of Federal Flood or Federal Crop Insurance, is not insured by any federal government agency.

NOTICE OF YOUR PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Saylor Insurance Service, Inc.

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as: Home, Auto, Farm, other Property and Casualty, Life and Health Insurance policies.

• All former customers

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT 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
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:
• Information about your transactions and experience with us, such as
• Name
• Address
• Policy and Account ID numbers

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates

We may disclose nonpublic personal information about you to the following types of affiliates:
• Financial service providers, such as
• Morrill & Janes Bank and Trust Company

Reasons for Disclosure

Here is why we may disclose nonpublic personal information about you to our affiliates:
• To provide our customer with information about additional products and services
• To provide customers general newsletters

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.