Privacy Notice for Customers of the First Horizon Family of Companies

In addition to our corporate privacy policy, the following states have a supplementary privacy notice:

Arizona, Georgia, Illinois, Maine, New Jersey, North Carolina, Ohio and Virginia
California
Massachusetts
Montana
Oregon

Multistate

Supplemental Insurance Privacy Notice
For our Arizona, Connecticut, Georgia, Illinois, Maine, New Jersey, North Carolina, Ohio and Virginia insurance (including annuity) customers

This privacy notice supplements the Privacy Notice for Customers of the First Horizon Family of Companies (the “Corporate Notice”). It provides additional information about our privacy policies as they apply to you, our individual customers who obtain insurance products and services for personal, family or household purposes, as well as information we may obtain in connection with insurance transactions conducted on your behalf. To the extent that any policies or practices in this Supplement conflict with policies or practices in the Corporate Notice, this Supplement will control with respect to information we collect related to any insurance transaction you request from us.

OUR INSURANCE PRIVACY POLICIES AND PRACTICES

I. Information we collect

We collect personal information about you from the following sources:

Information we receive from you on applications or other forms and other oral, written or electronic communications.
Information we receive from the companies we represent which provide insurance policies to you.
Information we receive from consumer reporting agencies and persons providing services in connection with your transactions.
Information about your transactions with us, the companies we represent, or our affiliates.
Information we receive from health care providers about your past or current health condition.
Information from visits to our internet websites.

The type of information we collect is related to the products and services you request from us to service your policy and to determine your eligibility for other products and services and may include your name, address, social security number, driver license number, driving records, ownership of property, marital status, health information, transaction and claims history, and other information.

We may collect personal information from sources other than the individual(s) proposed for coverage. Information we receive from you on applications or other forms and other oral, written or electronic communications.

II. Disclosure of information to third parties

We do not disclose information we may obtain about you in connection with insurance transactions conducted on your behalf to third parties except as permitted or required by law. For example, in the course of our general business practices, we may disclose the information that we collect as described above without your permission to the following types of third parties for the reasons described:

To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
To an insurance institution, agent, insurance support organization, or self-insurer in order to detect or prevent criminal activity, fraud or misrepresentation in connection with insurance transactions.
To an insurance institution, agent, or insurance support organization to perform functions in connection with an insurance transaction involving you.
To a medical care institution or medical professional in order to verify coverage or benefits, inform you of a medical problem of which you may not be aware, or conduct an operations or services audit.
To an insurance regulatory authority.
To a law enforcement, or other governmental authority to prevent or prosecute fraud, or, if we believe that you have conducted illegal activities.
To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
To an actuarial or research organization for the purpose of conducting actuarial or research studies.
As otherwise permitted or required by law.

In addition, where permitted by law, we may disclose the information we collect about you described above to (i) our affiliates and (ii) other financial services companies that perform marketing services on our behalf or with whom we have joint marketing agreements.

Information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.

III. Accuracy of the personal information that we collect

We strive to maintain the accuracy of personal information we collect. In order to help us maintain accuracy, you have the right to reasonably access this information except for certain documents related to claims or litigation. If you believe any information about you in our possession is inaccurate, please notify us immediately and we will investigate and correct any errors that we find. Your request should be directed to: Insurance Privacy Officer, 165 Madison Ave., 14th Fl., Memphis, TN 38103.

IV. Other privacy protections and providers

In addition, insurance companies that issue your policies may have personal information about you. Our privacy notice does not govern their use of information about you. You should review the privacy notices of your insurance providers to understand how they collect, use and disclose information.

V. Changes to our supplemental insurance privacy notice

We reserve the right to change our privacy policies and insurance information practices. If we make any material changes to our policies or practices, we will provide you with a revised notice.

Rev 4/2013

California

Supplemental Insurance Privacy Notice

For our California insurance (including annuity) customers

This privacy notice supplements the Privacy Notice for Customers of the First Horizon Family of Companies (the "Corporate Notice"), as modified for California consumers by "Important Privacy Choices for California Consumers." It provides additional information about our privacy policies as they apply to our individual customers who obtain insurance products and services for personal, family or household purposes as well as information we may obtain in connection with insurance transactions conducted on your behalf. To the extent that any policies or practices in this Supplement conflict with policies or practices in the Corporate Notice, this Supplement will control with respect to information we collect related to any insurance transaction you request from us.

OUR INSURANCE PRIVACY POLICIES AND PRACTICES

I. Information we collect

We collect personal information about you from the following sources:

Information we receive from you on applications or other forms and other oral, written or electronic communications.
Information we receive from the companies we represent which provide insurance policies to you.
Information we receive from consumer reporting agencies and persons providing services in connection with your transactions.
Information about your transactions with us, the companies we represent, or our affiliates.
Information we receive from health care providers about your past or current health condition.
Information from visits to our internet websites.

We may collect personal information from sources other than the individual(s) proposed for coverage.

II. Disclosure of information to third parties

To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
To an insurance institution, agent, insurance support organization, or self-insurer in order to detect or prevent criminal activity, fraud or misrepresentation in connection with insurance transactions.
To an insurance institution, agent, or insurance support organization to perform functions in connection with an insurance transaction involving you.
To a medical care institution or medical professional in order to verify coverage or benefits, inform you of a medical problem of which you may not be aware, or conduct an operations or services audit.
To an insurance regulatory authority.
To a law enforcement, or other governmental authority pursuant to law.
To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
To an actuarial or research organization for the purpose of conducting actuarial or research studies.
As otherwise permitted or required by law.

In addition, where permitted by law and not restricted by your choices under "Important Privacy Choices for California Consumers," we may disclose the information we collect about you described above to (i) our affiliates and (ii) other financial services companies that perform marketing services on our behalf or with whom we have joint marketing agreements.

Information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.

III. Accuracy of the personal information that we collect

IV. Other privacy protections and providers

V. Changes to our supplemental insurance privacy notice

We reserve the right to change our privacy policies and insurance information practices. If we make any material changes to our policies or practices, we will provide you with a revised notice.

Rev 4/2012

Massachusetts

Supplemental Insurance Privacy Notice

For our Massachusetts insurance (including annuity) customers

OUR INSURANCE PRIVACY POLICIES AND PRACTICES

I. Information we collect

We collect personal information about you from the following sources:

Information we receive from you on applications or other forms and other oral, written or electronic communications.
Information we receive from the companies we represent which provide insurance policies to you.
Information we receive from consumer reporting agencies and persons providing services in connection with your transactions.
Information about your transactions with us, the companies we represent, or our affiliates.
Information we receive from health care providers about your past or current health condition.
Information from visits to our internet websites.

We may collect personal information from sources other than the individual(s) proposed for coverage.

II. Disclosure of information to third parties

To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
To an insurance institution, agent, insurance support organization, or self-insurer in order to detect or prevent criminal activity, fraud or misrepresentation in connection with insurance transactions.
To an insurance institution, agent, or insurance support organization to perform functions in connection with an insurance transaction involving you.
To a medical care institution or medical professional in order to verify coverage or benefits, inform you of a medical problem of which you may not be aware, or conduct an operations or services audit.
To an insurance regulatory authority.
To a law enforcement, or other governmental authority to prevent or prosecute fraud, or, if we believe that you have conducted illegal activities.
To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
To an actuarial or research organization for the purpose of conducting actuarial or research studies.
As otherwise permitted or required by law.

Information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.

III. Adverse underwriting decision

If a written statement of the specific reasons is not provided to you with the notification of an adverse underwriting decision, you have the right to make a written request for a statement of the specific reasons to the insurance institution or insurance representative responsible for the decision. If your written request is received within ninety (90) days from the date of the mailing of the notice or other communication of an adverse underwriting decision, the insurance institution or insurance representative responsible for the decision must furnish, within twenty-one (21) business days from the date of receipt of your written request, a statement of specific reasons for the decision.

IV. Accuracy of the personal information that we collect

V. Other privacy protections and providers

VI. Changes to our supplemental insurance privacy notice

We reserve the right to change our privacy policies and insurance information practices. If we make any material changes to our policies or practices, we will provide you with a revised notice.

Rev 4/2013

Supplemental Insurance Privacy Notice
For our Montana insurance (including annuity) customers

OUR INSURANCE PRIVACY POLICIES AND PRACTICES

I. Accuracy of the personal information that we collect

II. Request for record of disclosure of medical information

Upon written request to us at the address provided in Section I above, you are entitled to receive a record of any subsequent disclosures of medical record information about you made by us pursuant to M.C.A. §§33-19-306 and 33-19-307.

III. Reports from insurance support organizations

Information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.

IV. Other privacy protections and providers

V. Changes to our supplemental insurance privacy notice

We reserve the right to change our privacy policies and insurance information practices. If we make any material changes to our policies or practices, we will provide you with a revised notice.

Rev 4/2013

Oregon

OUR INSURANCE PRIVACY POLICIES AND PRACTICES

I. Disclosure of personal information to third parties

You have the right to authorize disclosure of personal information about you by signing a written authorization form containing your name, a general description of the categories of personal information for which you are authorizing disclosure and general descriptions of the parties to whom you wish personal information to be disclosed. You have the right to revoke your authorization on a prospective basis at any time.

We may also make disclosures of personal information about you to other affiliated and/or nonaffiliated third parties as permitted or required by law

II. Accuracy of the personal information that we collect

III. Other privacy protections and providers

IV. Changes to our supplemental insurance privacy notice

We reserve the right to change our privacy policies and insurance information practices. If we make any material changes to our policies or practices, we will provide you with a revised notice.

Rev 4/2013