North Sea Insurance Company and its affiliates (referred to collectively as "North Sea") are committed to treating the personal information we collect about our customers, potential customers, former customers and claimants with the highest degree of confidentiality. For this reason and in compliance with the law, North Sea has developed along with its affiliates a Privacy Policy. For purposes of this Policy, the term "personal information" includes all information we obtain about an individual and maintain in a personally identifiable way. In order to assure the confidentiality of the personal information we collect and in order to comply with applicable laws, all individuals with access to personal information about our customers, potential customers, former customers and claimants are required to follow this policy.

Collection, Retention and Correction of Personal Information about a Customer or Claimant
We collect personal information about a customer, potential customer or claimant that we determine is necessary to deliver our products and services or to process a claim. Individuals with access to personal information are to use such information for such purposes only.

We retain personal information only as long as required by our business practices and applicable law.

If we become aware that an item of personal information may be materially inaccurate, we will make a reasonable effort to re-verify its accuracy and correct any error as appropriate.

Confidentiality and Security
We maintain physical, electronic and procedural safeguards to ensure that personal information is treated in compliance with applicable laws and regulations and in accordance with our privacy policy. We also restrict access to personal information within our organization to those employees who need to know that information to provide products or services to our customers or to conduct North Sea business. Employees who have access to customer information may use it only on behalf of North Sea for legitimate business purposes.

Disclosure of Personal Information
We maintain procedures to assure that we do not share personal information with any nonaffiliated third party unless such sharing is permitted or required by law. Personal information may be disclosed to a nonaffiliated third party for necessary servicing of our products or other related services or for other normal business transactions as permitted by law.

We require nonaffiliated third parties to whom we disclose customer information for the purpose of performing a service for us to sign an agreement that the information will not be used or disclosed except to carry out the purposes for which we disclosed the information and only as permitted by applicable state and federal law.

Personal Information Relating to Mental or Physical Health
We do not use or share personal information relating to mental or physical health for any purpose except as required or permitted by law or as otherwise authorized by the individual to whom the information relates.

Inquiries
Questions regarding this Privacy Policy should be directed to North Sea's General Counsel at 370 West Park Avenue, P.O. Box 9007, Long Beach, New York 11561.