YOU HAVE THE RIGHT TO KNOW.

We provide this Notice because you have the right to know how we use your personal information. You have a right to know what we do with the personal information you share with us in order to provide you with financial needs. We want to assure you that we are properly securing this important information because we value your relationship and trust in us.

WHAT PERSONAL INFORMATION DO WE COLLECT?

Most of the personal information we collect is obtained from you.

We may gather personal information about you from the following sources.

• Information you provide on applications, other forms and in interviews.
• Information we get from third parties, who may include agencies, other insurers; and consumers reporting agencies; or health care providers.

We collect personal information needed only to service and administer your business with us.

HOW DO WE DISCLOSE YOUR INFORMATION?

We may share your personal information as described below:

• We may share selected financial information about you with our affiliated companies (such as Forward Financial Group, Innovative Mortgage Concepts, Midland National Life and RHK Group, Inc.) in order to better serve you and to offer you worthwhile products and services: You cannot prevent those disclosures.
• The information may be disclosed to other entities that provide business services to us related to our transactions with you. Examples include authorized employees; representatives; and third parties.
• We may cooperate with other financial institutions in order to bring additional products and services to your attention. We will disclose only financial information that is necessary to such individuals or companies who perform marketing services on our behalf; or to other financial institutions with whom we have agreements.

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