Privacy Statement

We value you as a customer and respect your right to privacy. We know that you purchase our products and services because you trust that we will stand behind our promises. We pledge our commitment to treat your information responsibly. We created this privacy policy to show you that we are working hard to protect your privacy.

How do we protect the confidentiality and security of your information?

We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. This includes third parties who perform services related to your product. They may not disclose it or use it in any other way. We comply with all data security laws.

What personal information do we collect about you?

We collect personal information about you from different sources.

• We collect information you send us on applications and forms.
• We collect information from your transactions with us, our sister companies, or others.
• Based on the product or services requested, we may collect information from a consumer reporting agency or a medical provider.

What types of information do we disclose and to whom?

We do not sell your information to anyone. We disclose this information to business partners that carry out services and marketing for us. We disclose your information as required or permitted by law. We disclose your information for a legal or regulatory purpose. These include the following types of information.

• Information we receive from you on applications or other forms. This may include your name, address, beneficiaries, Social Security number, and family member information. This may also include assets, income, and the property address and value.
• This may include information from your transactions with our sister companies, or us. It may include your account balance, policy coverage, and payment history. It may also include premium paid, preferences, shares you purchase, claims, and purchase method.
• This may include information we receive from a consumer-reporting agency or other reporting agencies. It may include, your credit report, motor vehicle and driver data. It may also include medical and employment data, loss history reports, and other driver data. These depend on the products you select.
• We may disclose information to companies that perform marketing services on our behalf. As permitted by law, we may disclose some information to other financial institutions with which we have joint marketing agreements. Sometimes, we use your customer information to underwrite or offer you another product or service that we or our affiliates offer. We may disclose your information to agents who are under contract with us. These include the agent who sold you your policy or contract. They use this information to service your policy or contract. That agent may use your information to offer or to sell you a product from a nonaffiliated company.

How do we use your medical information?

We sometimes must collect medical information to provide you a product or to pay a claim. We do not use or share it, internally or externally, for any purpose except the following:

• underwriting insurance,
• administering your policy, account, or claim,
• as required or permitted by law, or
• as otherwise authorized by you.

Internet Policies

What information do we collect from our websites?

We may collect the information you provide when you

• request information from one of our web sites
• use online tools and calculators
• apply online for products
• subscribe to online services
• complete an online form
• conduct transactions online
• apply for a job online

We contract with certain unaffiliated business partners who help us deliver online products and services. They may keep the information you provide. Other online activities are listed below.

Visitor Data

• We collect site aggregate and customer-specific information about the pages you view on our site. We log IP addresses, browser and platform types, domain names, access times and referral data. We also collect information a customer volunteers on surveys and electronic forms. This information is used to improve our web sites.
• We gather data on our websites. This is a standard industry practice and is used to find out how visitors use our site. We collect aggregate information on the public areas of our website. We also collect information on an individual basis on areas of our website that require visitors to logon using an ID and password. We may collect the following data: ?- how many people visit our website - the pages they visit and the features they use - how long they stay on our website - the web site people come from before reaching our site

Use of "Cookies"

We store a cookie on a person's computer when they visit our web site. A cookie is a tiny piece of information that is required to create and maintain a secure session. Cookies let a person request information and do business online. The cookies do not have confidential or personal information. They do not track a user after leaving our web site.

Other Online Security

We also use a Secure Sockets Layer (SSL). This keeps all information confidential when it is sent between our web site and the user's computer.

E-Mails

We keep the e-mails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mails of specific interest to you. If you choose to send us e- mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you give us in an e-mail. As with any public web site, this communication may not be secure.

Web Links

It is important to note that other companies or organizations may have links on our websites. We are not responsible for the collection, use or security of information by the companies or organizations outside of the Nationwide Family of Companies. Please read the privacy policy of websites reached through the use of links from our websites.

Why do we collect information on our websites?

Our business partners or we use the information from our websites for many purposes:

• edits and feedback
• marketing and promotions
• analysis of user behavior
• product development
• content improvement
• informing advertisers how many visitors have seen or clicked on their advertisements
• customize website content and layout

Questions

We value our customers. We want you to know how we use your information. For questions about our privacy policy, please call us toll free at 1-800-877-4755.

• We have a process that allows you to review your information.
• Our process explains how to access your information. We can only give access to information that we control and can reasonably retrieve. We also check the identity of the person making the request.
• You may request that we correct your information in our files. Please note that we do not control the items provided by third parties. So, you will need to contact the third party and correct their information.
• Sometimes we need your consumer or credit report. If so, you may request the credit-reporting agency's name and address. You may ask the agency to give you a copy of your report. This privacy statement describes our privacy practices for both current and former customers. We will provide one copy of this notice to joint policy or contract holders. Please share this information with everyone covered by your policy or contract. If you request, we will send more copies of this statement.