Bank of America
Privacy Policy Notice for California Insurance Consumers

The law gives you certain privacy rights. Bank o...
2. Transaction and Experience Information —data about your transactions and account experience,
       and our contacts wi...
• financial service companies such as payment processing companies
• companies that are not financial such as check printi...
•   Provide marketing information with your regular account mailings and statements
    •   Provide marketing information ...
•   Memorize PINs (personal identification numbers). Don’t write PINs, Social Security numbers or
        credit card numb...
Banc of America Advisors, LLC
        Banc of America Agency, LLC
        Banc of America Agency of Nevada, Inc.
        B...
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PSCalifornia.doc.doc

  1. 1. Bank of America Privacy Policy Notice for California Insurance Consumers The law gives you certain privacy rights. Bank of America gives you more. T We do not sell or share Customer Data with outside marketers who may want to offer you their own products and services. You can tell us you don’t want to receive direct marketing offers from Bank of America. To learn more about how Bank of America handles Customer Data and what actions you can take, please continue reading. This policy includes information about: • Protecting data about you from marketers outside Bank of America • Making the security of data a priority • Collecting data • Managing data • Making sure data is correct • Honoring your preferences • Actions you can take • Bank of America companies This policy covers Customer Data, which means data about a consumer that identifies that person. This includes a consumer’s current or former relationship with Bank of America. This policy applies to all Bank of America companies. We are providing you with this policy as required by the Federal Financial Privacy Law and the California Insurance Privacy Law.* *15 U.S.C. 6801-6810 and Ca. Ins. Code 791-791.27 PROTECTING INFORMATION ABOUT YOU FROM MARKETERS OUTSIDE BANK OF AMERICA Bank of America does not sell or share any Customer Data with marketers outside Bank of America who may want to offer you their own products and services. Our policy is different from many other financial companies. You don’t need to take any action for this benefit. MAKING THE SECURITY OF INFORMATION A PRIORITY One of our most important duties is to keep financial data secure. We use physical, electronic and procedural safeguards to protect Customer Data. Employees may access Customer Data only when they need it to provide you with products and services or to maintain your accounts. Our employees must follow a code of ethics that requires private treatment of Customer Data. They are subject to discipline if they fail to follow this code. COLLECTING INFORMATION We collect and use various types of data to service your accounts, save you time and money, and better respond to your needs. Customer Data is defined in the following five ways: 1. Application Information —data that you give to us on applications and through other means. Examples include your: • Assets • Income • Debt.
  2. 2. 2. Transaction and Experience Information —data about your transactions and account experience, and our contacts with you. Examples include your: • account balances • payment history • parties to transactions • credit card usage • requests for copies of checks and our responses • pre-approved credit card offers. 3. Consumer Report Information —data from a credit report. Examples include your creditworthiness and credit history. 4. Information from Outside Sources —data from outside sources about their employment, credit and other relationships with you or confirming what you have told us. Examples include your: • employment history • loan balances • credit card balances • property insurance coverage. 5. Other General Information —data from outside sources that is not collected or used to determine if you are eligible for a product or service. Public records are examples. MANAGING INFORMATION We manage how and when information is shared: • Within Bank of America • With companies that work for us • In other situations Managing information within Bank of America Bank of America is made up of a number of companies. These include: • financial service companies such as our brokerage company and credit card company; and • companies that are not financial, such as our operations and servicing companies. All of our companies comply with this policy. Please see the section Bank of America Companies for a current list of our companies that have consumer customers. Bank of America may share all five types of Customer Data among our companies. For example, if you have an account with one of our companies and would like to open an account with another of our companies, we may share data we already have. Sharing this data could save you time opening your new account because you might not need to give us the same information twice. Sharing data also helps us to protect your accounts against unauthorized use. It also helps us investigate any fraud on an account. For example, we may use data about your ATM, credit card and Check Card charges to identify unusual activity. We might then contact you to find out if your card has been lost or stolen. We may receive medical or health information from a customer. This could happen if a customer applies for insurance from us. We also may obtain data from insurance support organizations not connected with us. These organizations may prepare and provide reports to others as well as to us. We do not share medical or health information among our companies except, to the extent permitted by law, to: • maintain accounts • process transactions • service customer requests • perform insurance functions Managing information with companies that work for us We may share any of the five types of Customer Data described in this policy with companies that work for us. In our contracts we require all companies that work for us to keep the data we provide to them private. We also limit their use of the Customer Data to provide the services we ask them to perform for you and us. These companies may include:
  3. 3. • financial service companies such as payment processing companies • companies that are not financial such as check printing and data processing companies. For example, these companies might assist us in: • processing your transactions • mailing account statements • fulfilling your service requests. In addition, we may share any of the five types of Customer Data with companies that provide us with marketing support and other services. Some of our own companies may provide any of these services for us. Disclosing information in other situations We may also give any of the five types of Customer Data to credit bureaus and similar companies, and when required or allowed by law. For example, we may disclose Customer Data in connection with: • a subpoena or similar legal process • a fraud inquiry • recording of deeds of trust and mortgages in public records • processing your requests for products or services • the sale of your account to another financial company. We also may share any of the five types of Customer Data outside Bank of America companies with your consent. For example, if you request and we issue you a credit card associated with an airline frequent flyer program, we will share Customer Data to allow you to get miles credits. You may also receive a copy of our standard Privacy Policy for Consumers. Any rights stated in this notice are not limited by the standard policy. MAKING SURE INFORMATION IS CORRECT Keeping your account information correct and up to date is very important. You can get your account information in a number of ways. These include account statements, telephone banking, online banking and specific requests. If your account information is incomplete, incorrect or not current, please call or write to us. The telephone number or address is listed on your account statement, bank records or other account papers. We will promptly update or correct any wrong data. If you have questions or feel that we have not handled data about you properly, you may contact us through our Customer Service telephone centers and we will look into your question. HONORING YOUR PREFERENCES You have choices when it comes to how Bank of America shares and uses data. Sharing among Bank of America companies You may ask us not to share Application Information, Consumer Report Information and Information from Outside Sources among Bank of America companies. We will continue to share Transaction and Experience Information as well as Other General Information among our companies to service your accounts and better meet your financial needs. Direct marketing You may ask us not to make marketing offers to you by direct mail, telephone and/or e-mail. This preference applies to offers about our products and services, and about other products that we think may be of interest to you. We want to reduce the amount of telemarketing our customers receive. Bank of America only offers financial products and services through telemarketing. If you ask us not to send product information by direct mail, telephone or e-mail, we will continue to: • Contact you as necessary to service your account • Have your relationship manager or assigned account representative contact you, if applicable
  4. 4. • Provide marketing information with your regular account mailings and statements • Provide marketing information when you visit us online or at an ATM To help you understand how we record your preferences, you should know that: • Your preferences will be honored among all Bank of America companies. • Since some marketing programs may already be in progress, it may take six to eight weeks for your preferences to be fully effective. ACTIONS YOU CAN TAKE Remember that Bank of America goes beyond the law and does not sell or share any Customer Data with marketers outside Bank of America who may want to offer you their own products and services. No action is required for this benefit. Telling us your preferences 1. Review your preference options. Sharing among Bank of America Companies You may ask that we not share Application Information, Consumer Report Information and Information from Outside Sources among Bank of America companies. If you choose to limit sharing of this information, you may need to give the same information more than once for customer service and to apply for new services. Direct Marketing You may ask us not to make direct marketing offers through any or all of the following means: • By mail • By telephone • By e-mail If you choose not to hear from us, you may not learn about Bank of America products and services that may be of value to you. 2. Tell us your preferences. You can tell us your preferences by: • Calling us toll-free at 1.888.341.5000, between the hours of 7 a.m. and 10 p.m., your local time • Notifying us at www.bankofamerica.com/privacy through Contact Us • Talking to a customer representative at a banking center, or to your client relationship manager When you contact us, please be prepared to provide the following information for each person: • First name, middle initial and last name • Address, city, state and Zip code • Social Security number • Telephone number (if applicable) • e-mail address (if applicable) If any of these pieces of data changes, you should remind us to update your preference files with your new data. This will assure that your preferences are honored. Once you have told us your preferences, we will continue to honor them. You do not need to take any further action. Guarding your own information Bank of America recommends that you take the following actions to guard your account and personal data: • Never provide personal data (including Social Security numbers or account and credit card data) over the phone unless you made the call and know whom you are talking to. • Guard ATM, credit and debit cards.
  5. 5. • Memorize PINs (personal identification numbers). Don’t write PINs, Social Security numbers or credit card numbers where they can easily be found. • Store cancelled checks, new checks and account statements in a safe place. • Tear up or shred pre-approved credit offers. • Report lost or stolen checks, and credit and debit cards immediately. Reducing direct marketing from other companies If you would like to cut the amount of advertising you receive from companies outside Bank of America, you can contact the following agencies: For advertising received by mail: Direct Marketing Association Mail Preference Service P.O. Box 643 Carmel, NY 10512 www.the-dma.org/consumers/offmailinglist.html For advertising received by telephone: Direct Marketing Association Telephone Preference Service P.O. Box 1559 Carmel, NY 10512 www.the-dma.org/consumers/offtelephonelist.html For advertising received by e-mail: Direct Marketing Association E-mail Preference Service Web site: www.e-mps.org/en/ Be sure to include complete information about each name, address, telephone number and e-mail address you would like excluded. If you have moved within the past year, remember to include your old address and phone number. The same is true for name changes and the addresses and phone numbers that go with each name. In addition, if you would like to have your name taken off all pre-approved credit offers (not just Bank of America offers), you can call 1.888.5OPTOUT (1.888.567.8688). Keeping up-to-date with our Privacy Policy As required by law, Bank of America will provide notice of our Privacy Policy each year, as long as you have a current relationship with us. To receive the most up-to-date Privacy Policy, you can visit our Web site at: www.bankofamerica.com/privacy or call us at 1.888.341.5000. BANK OF AMERICA COMPANIES This Privacy Policy includes all Bank of America companies. The following is a list of those companies that have consumer customers as of November 1, 2002. Banks Bank of America , N.A. Bank of America Trust Company of Delaware, N.A. Credit Card Bank of America, N.A. (USA) Brokerage, insurance, investment and annuities BA Agency, Inc. BACAP Advisory Partners, LLC BACAP Distributors, LLC
  6. 6. Banc of America Advisors, LLC Banc of America Agency, LLC Banc of America Agency of Nevada, Inc. Banc of America Agency of Texas, Inc. Banc of America Capital Management, LLC Banc of America Capital Management Alternative Advisors, Inc. Banc of America Insurance Services, Inc. Banc of America Investment Services, Inc. Banc of America Securities LLC Bank of America Reinsurance Corporation General Fidelity Insurance Company General Fidelity Life Insurance Company Marsico Capital Management, LLC NationsBanc Insurance Company, Inc. Real Estate HomeFocus Services, LLC NationsCredit Financial Services Corporation Automobile and specialty financing Banc of America Auto Finance Corp. Banc of America Specialty Finance, Inc. For a list of other Bank of America companies that may receive or share Customer Data in order to help service your accounts and manage our business, please visit our Web site at: www.bankofamerica.com/privacy. This policy applies and will be distributed to California Insurance consumer customer relationships set up in the United States. This version of the Privacy Policy Notice for California Insurance Consumers is effective March 24, 2003. This notice is the Bank of America Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. For information about our online privacy practices, please visit our Web site at: www.bankofamerica.com/privacy.

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