The following provides information on our privacy practices and the steps we take to help ensure your privacy is protected.

Our privacy policy promises the following:

• Your information is protected. We will maintain strong security controls to ensure that the personal information in our files and computers is protected. Where applicable, we will use security-coding techniques to protect unauthorized access to personal records, ensure accuracy and integrity of communications and transactions and protect customer confidentiality. We will permit only authorized employees who are trained in the proper handling of customer information to have access to that information.

• We collect only relevant information necessary to provide competitive products and services.

• We limit the release of information. We will not sell customer information to telemarketing companies. We will share information only when necessary to administer products and services we provide, when requried by law, or when we partner with credit unions or strategic partners to offer a broader array of products and services.

• We require strict privacy protections in our business relationships. We will engage in ventures only with credit unions and strategic partners that follow strict confidentiality requirements and offer products designed to enhance the economic well being of credit union members and our customers. When information is released, it will be subject to strict privacy protection requirements.

Our goal is to provide you with the best financial products and services available. By partnering with credit unions, we believe we can deliver meaningful financial products, services and information to help achieve the financial goals of members. Our commitment is to protect your privacy in all situations and to work closely with credit unions in meeting member needs.

CUNA Mutual Group's Web Site Privacy Statement

CUNA Mutual Group is committed to protecting the personal privacy of the visitors to our web site. It is our policy to limit the collection and storage of personal information that is needed for us to administer our products and services and to offer you opportunities which either are required by law or we think might be of interest.

When you visit any web site, your "IP address" is recorded. We collect IP addresses for the sole purpose of compiling web site usage information that is used to improve the site. The information is used solely for this purpose and is discarded after use. The IP address information is only used by our agents or us. (Since an IP address is "non-identifiable,” we cannot identify the individual from whom the address was collected.)

To provide you with greater access of information, the CUNA Mutual Group site also contains links to other sites. While we hope these organizations join us in respecting your privacy, CUNA Mutual Group is not responsible for the content or privacy practices of these other web sites.

Cookies

A cookie is a small piece of data that is stored on a visitor's PC and later retrieved. "Cookie" technology is useful for having the browser "remember" specific information between several pages or between visits to a site. If you would like to see the contents of your cookie, see the Help section located in your browser. You will notice that the majority of information within the cookie is encrypted and, thus, only meaningful to the server that wrote the cookie.

• We will use cookies to customize the portions of the site for returning visitors.

• We will use "session cookies" to keep track of information you have entered until you submit that information. A "session cookie" is deleted at the conclusion of the session; it is not available in subsequent sessions.

• This site does not read cookies stored on your PC by another organization’s Web site.

• We will not store any personal information within a "persistent cookie." A "persistent cookie" can be retrieved in a subsequent session.

Browsers may be set up to display a warning when a cookie is used. Individuals may even disable their browsers from accepting cookies. In order to provide you with the best possible experience while visiting our web site, please enable cookies within your browser.

Platform for Privacy Preferences Project

The World Wide Web Consortium has initiated the Platform for Privacy Preferences Project ("P3P"). P3P refers to an industry standard for providing an automated and standardized way to translate a Web site’s human readable privacy policy into a machine-readable file that can be interpreted by a Web browser. We support P3P.

Changes to the Web Site Privacy Statement

This Web Site Privacy Statement was posted on cunamutual.com on January 1, 2003. We reserve the right to modify this Statement. Nevertheless, we will abide by the privacy practices described in this Statement at the time we collect information from you.