NOTICE OF PRIVACY POLICIES AND INSURANCE INFORMATION PRACTICES OF FIRST SOLUTIONS INSURANCE SERVICES

(As of July 1, 2007) It is our top priority to protect the privacy of our consumers. Because of this, we have established privacy policies and practices to protect the security, confidentiality and integrity of Nonpublic Personal Information (NPI) and Protected Health Information ( PHI ) contained in our records.

The following notice describes our policies and practices with regard to collecting and disclosing personal information about you, our consumer. Security, Confidentiality and Integrity of Your NPI AND PHI We protect your NPI and PHI .

We maintain appropriate administrative, technical and physical safeguards to ensure the security, confidentiality and integrity of your nonpublic personal information contained in our records.

We restrict access to your records to our employees and affiliates on a need-to-know basis only in order that they may provide products or services to you. Categories of Information That We Collect We collect NPI and PHI about you from the following sources: Applications or other forms you complete, such as your name, address, social security number, driver's license number, dependents, medical history, income and beneficiaries; Information about your transactions with our affiliates, others or us. Information we receive when you visit us through the Internet.

Your Health Information THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

We collect, use and communicate information by and about you in order to perform the various insurance transactions and functions of our agency. Categories of Information That We May Disclose We may disclose all the information we collect about you. Categories of Parties to Whom We May Disclose Information The law allows or requires us to disclose NPI in the following situations: a) With your written authorization b) To a non-insurance entity if it is reasonably necessary for us to properly do our business and the other entity agrees not to disclose the nonpublic personal information. c) To an insurance entity if the disclosure assists the receiving party in performing an insurance transaction for you or if it is reasonably necessary to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction. d) To a medical professional in order to: Verify coverage or benefits, conduct operations or service audits; or Inform a person of a medical problem they might not be aware of. e) To the Department of Insurance, law enforcement or other governmental entity including an administrative or court order, or as is otherwise required or permitted by law. f) To conduct actuarial or research studies if there are proper safeguards. g) To facilitate the sale of whole or part of an insurance business. h) To a group policyholder to report claims experience or do an audit or to a certificate holder or policyholder to inform them of the status of an insurance transaction. i) To the government to determine eligibility for health benefits. j) To a lien holder, etc. or any other having a legal interest in an insurance policy to the extent that the disclosure is needed to protect their interest.

Your Rights If you believe any of your information in our possession is inaccurate, you may request that we amend, correct or delete the information you believe to be erroneous. If we concur with your conclusion, we will amend, correct or delete the information in question. Changes to Our Notice of Privacy Policy and Information Practices We reserve the right to change our privacy policies and insurance information practices. If we make any changes to our policies and practices, we will provide you with a copy of a revised notice as required by applicable law.

Contact Information If you have any questions about this statement or require further assistance with any of the rights explained above, please call (661) 325-3005. Mail requests to: 4550 California Ave. Suite #105 Bakersfield, CA 93309