ÿþ<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=Content-Type content="text/html; charset=unicode"> <meta name=ProgId content=Word.Document> <meta name=Generator content="Microsoft Word 12"> <meta name=Originator content="Microsoft Word 12"> <link rel=File-List href="privacy_files/filelist.xml"> <link rel=Edit-Time-Data href="privacy_files/editdata.mso"> <!--[if !mso]> <style> v\:* {behavior:url(#default#VML);} o\:* {behavior:url(#default#VML);} w\:* {behavior:url(#default#VML);} .shape {behavior:url(#default#VML);} </style> <![endif]--> <title>Privacy Policy</title> <link rel=themeData href="privacy_files/themedata.thmx"> <link rel=colorSchemeMapping href="privacy_files/colorschememapping.xml"> <!--[if gte mso 9]><xml> <w:WordDocument> <w:SpellingState>Clean</w:SpellingState> <w:GrammarState>Clean</w:GrammarState> <w:TrackMoves>false</w:TrackMoves> <w:TrackFormatting/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="&#45;-"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true" DefSemiHidden="true" DefQFormat="false" DefPriority="99" LatentStyleCount="267"> <w:LsdException Locked="false" Priority="0" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Normal"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 1"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 2"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 3"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 4"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 5"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 6"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 7"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 8"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 9"/> <w:LsdException Locked="false" Priority="39" Name="toc 1"/> <w:LsdException Locked="false" Priority="39" Name="toc 2"/> <w:LsdException Locked="false" Priority="39" Name="toc 3"/> <w:LsdException Locked="false" Priority="39" Name="toc 4"/> <w:LsdException Locked="false" Priority="39" Name="toc 5"/> <w:LsdException Locked="false" Priority="39" Name="toc 6"/> <w:LsdException Locked="false" Priority="39" Name="toc 7"/> <w:LsdException Locked="false" Priority="39" Name="toc 8"/> <w:LsdException Locked="false" Priority="39" Name="toc 9"/> <w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption"/> <w:LsdException Locked="false" Priority="10" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Title"/> <w:LsdException Locked="false" Priority="1" Name="Default Paragraph Font"/> <w:LsdException Locked="false" Priority="11" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/> <w:LsdException Locked="false" Priority="22" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Strong"/> <w:LsdException Locked="false" Priority="20" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/> <w:LsdException Locked="false" Priority="59" SemiHidden="false" UnhideWhenUsed="false" Name="Table Grid"/> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Placeholder Text"/> <w:LsdException Locked="false" Priority="1" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 1"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 1"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 1"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision"/> <w:LsdException Locked="false" Priority="34" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/> <w:LsdException Locked="false" Priority="29" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Quote"/> <w:LsdException Locked="false" Priority="30" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 1"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 1"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 2"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 2"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 2"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 2"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 2"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 3"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 3"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 3"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 3"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 3"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 4"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 4"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 4"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 4"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 4"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 5"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 5"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 5"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 5"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 5"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 6"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 6"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 6"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 6"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 6"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/> <w:LsdException Locked="false" Priority="19" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/> <w:LsdException Locked="false" Priority="21" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/> <w:LsdException Locked="false" Priority="31" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/> <w:LsdException Locked="false" Priority="32" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/> <w:LsdException Locked="false" Priority="33" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Book Title"/> <w:LsdException Locked="false" Priority="37" Name="Bibliography"/> <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/> </w:LatentStyles> </xml><![endif]--> <style> <!-- @pageSection1{size:8.5in11.0in;margin:1.0in1.25in1.0in1.25in;mso-header-margin:.5in;mso-footer-margin:.5in;mso-paper-source:0;} /* Font Definitions */ @font-face {font-family:Wingdings; panose-1:5 0 0 0 0 0 0 0 0 0; mso-font-charset:2; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:0 268435456 0 0 -2147483648 0;} @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:1; mso-generic-font-family:roman; mso-font-format:other; mso-font-pitch:variable; mso-font-signature:0 0 0 0 0 0;} @font-face {font-family:Tahoma; panose-1:2 11 6 4 3 5 4 4 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-520081665 -1073717157 41 0 66047 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; color:black;} h1 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 1 Char"; mso-style-next:Normal; margin:0in; margin-bottom:.0001pt; text-align:justify; mso-pagination:widow-orphan; page-break-after:avoid; mso-outline-level:1; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; color:black; mso-font-kerning:0pt; font-weight:bold; text-decoration:underline; text-underline:single;} p.MsoEnvelopeAddress, li.MsoEnvelopeAddress, div.MsoEnvelopeAddress {mso-style-noshow:yes; mso-style-priority:99; margin-top:0in; margin-right:0in; margin-bottom:0in; margin-left:2.0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; mso-element:frame; mso-element-frame-width:5.5in; mso-element-frame-height:99.0pt; mso-element-frame-hspace:9.0pt; mso-element-wrap:auto; mso-element-anchor-horizontal:page; mso-element-left:center; mso-element-top:bottom; font-size:12.0pt; font-family:"Courier New"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:Arial; color:black;} p.MsoBodyText, li.MsoBodyText, div.MsoBodyText {mso-style-noshow:yes; mso-style-priority:99; mso-style-link:"Body Text Char"; margin:0in; margin-bottom:.0001pt; text-align:justify; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; color:black;} a:link, span.MsoHyperlink {mso-style-noshow:yes; mso-style-priority:99; color:blue;} a:visited, span.MsoHyperlinkFollowed {mso-style-noshow:yes; mso-style-priority:99; color:purple;} p {mso-style-priority:99; mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; color:black;} p.MsoAcetate, li.MsoAcetate, div.MsoAcetate {mso-style-noshow:yes; mso-style-priority:99; mso-style-link:"Balloon Text Char"; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:8.0pt; font-family:"Tahoma","sans-serif"; mso-fareast-font-family:"Times New Roman"; color:black;} span.Heading1Char {mso-style-name:"Heading 1 Char"; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 1"; mso-ansi-font-size:14.0pt; mso-bidi-font-size:14.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#365F91; mso-themecolor:accent1; mso-themeshade:191; font-weight:bold;} span.BodyTextChar {mso-style-name:"Body Text Char"; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Body Text"; mso-ansi-font-size:12.0pt; mso-bidi-font-size:12.0pt; color:black;} span.BalloonTextChar {mso-style-name:"Balloon Text Char"; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Balloon Text"; mso-ansi-font-size:8.0pt; mso-bidi-font-size:8.0pt; font-family:"Tahoma","sans-serif"; mso-ascii-font-family:Tahoma; mso-hansi-font-family:Tahoma; mso-bidi-font-family:Tahoma; color:black;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt;} @page WordSection1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.WordSection1 {page:WordSection1;} /* List Definitions */ @list l0 {mso-list-id:419564651; mso-list-template-ids:-855723968;} @list l0:level1 {mso-level-number-format:bullet; mso-level-text:·ð; mso-level-tab-stop:.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} ol {margin-bottom:0in;} ul {margin-bottom:0in;} --> </style> <!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman","serif";} </style> <![endif]--> <meta name=Keywords content="insurance&#13;&#10;health insurance&#13;&#10;medical insurance&#13;&#10;accident insurance&#13;&#10;disability insurance&#13;&#10;mini-medical &#13;&#10;limited medical insurance&#13;&#10;major medical insurance&#13;&#10;day care insurance&#13;&#10;independent contractors insurance&#13;&#10;part time employee "> <!-- [if gte mso 9] --><!-- [endif] --><!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="2050"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body bgcolor=white lang=EN-US link=blue vlink=purple style='tab-interval:.5in' topmargin=0 leftmargin=0 MARGINWIDTH=0 MARGINHEIGHT=0> <div class=WordSection1> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:4.5pt'> <td width=10 valign=top style='width:7.5pt;padding:0in 0in 0in 0in; height:4.5pt'> <p class=MsoNormal><span style='mso-no-proof:yes'><img width=10 height=1 id="_x0000_i1036" src="../clearpixel.gif"></span></p> </td> <td valign=top style='padding:0in 0in 0in 0in;height:4.5pt'></td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td valign=top style='padding:0in 0in 0in 0in'></td> <td width=780 valign=top style='width:585.0pt;padding:0in 0in 0in 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 0in 0in 0in' id=Table8> <COLGROUP><COL WIDTH=140><COL WIDTH=500><COL WIDTH=140></COLGROUP> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:60.0pt'> <td colspan=3 style='padding:0in 0in 0in 0in;height:60.0pt'> <p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; mso-no-proof:yes'><img width=700 height=80 id="_x0000_i1035" src="../banner.gif"></span></p> </td> </tr> <tr style='mso-yfti-irow:1;height:30.0pt'> <td colspan=3 style='padding:0in 0in 0in 0in;height:30.0pt'> <div class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'> <hr size=5 width="95%" align=center> </span></div> </td> </tr> <tr style='mso-yfti-irow:2;height:75.0pt'> <td width=140 valign=top style='width:105.0pt;padding:0in 0in 0in 0in; height:75.0pt'> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in' NOF=TE> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in'> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=120 style='width:1.25in;mso-cellspacing:0in;mso-yfti-tbllook:1184; mso-padding-alt:0in 0in 0in 0in' id=NavigationBar4 NOF="NB_FYVP"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:18.75pt'> <td width=120 valign=top style='width:1.25in;padding:0in 0in 0in 0in; height:18.75pt'> <p class=MsoNormal><a href="../index.html"><span style='mso-no-proof: yes;text-decoration:none;text-underline:none'><img border=0 width=120 height=25 id="_x0000_i1034" src="../Home_Np1.gif" alt=Home></span></a></p> </td> </tr> <tr style='mso-yfti-irow:1;height:18.75pt'> <td width=120 valign=top style='width:1.25in;padding:0in 0in 0in 0in; height:18.75pt'> <p class=MsoNormal><a href="../About_Us/about_us.html"><span style='mso-no-proof:yes;text-decoration:none;text-underline:none'><img border=0 width=120 height=25 id="_x0000_i1033" src="../About_Us_Np1.gif" alt="About Us"></span></a></p> </td> </tr> <tr style='mso-yfti-irow:2;height:18.75pt'> <td width=120 valign=top style='width:1.25in;padding:0in 0in 0in 0in; height:18.75pt'> <p class=MsoNormal><a href="../Agency_Licensing/agency_licensing.html"><span style='mso-no-proof:yes;text-decoration:none;text-underline:none'><img border=0 width=120 height=25 id="_x0000_i1032" src="../Agency_Licensing_Np1.gif" alt="Agency Licensing"></span></a></p> </td> </tr> <tr style='mso-yfti-irow:3;height:18.75pt'> <td width=120 valign=top style='width:1.25in;padding:0in 0in 0in 0in; height:18.75pt'> <p class=MsoNormal><a href="../Contact_Us/contact_us.html"><span style='mso-no-proof:yes;text-decoration:none;text-underline:none'><img border=0 width=120 height=25 id="_x0000_i1031" src="../Contact_Us_Np1.gif" alt="Contact Us"></span></a></p> </td> </tr> <tr style='mso-yfti-irow:4;height:18.75pt'> <td width=120 valign=top style='width:1.25in;padding:0in 0in 0in 0in; height:18.75pt'> <p class=MsoNormal><a href="privacy.html"><span style='mso-no-proof: yes;text-decoration:none;text-underline:none'><img border=0 width=120 height=25 id="_x0000_i1030" src="Privacy_Hp3.gif" alt=Privacy></span></a></p> </td> </tr> <tr style='mso-yfti-irow:5;mso-yfti-lastrow:yes;height:18.75pt'> <td width=120 valign=top style='width:1.25in;padding:0in 0in 0in 0in; height:18.75pt'> <p class=MsoNormal><a href="../Products/products.html"><span style='mso-no-proof:yes;text-decoration:none;text-underline:none'><img border=0 width=120 height=25 id="_x0000_i1029" src="../Products_Np1.gif" alt=Products></span></a></p> </td> </tr> </table> </div> </td> </tr> </table> </div> </td> <td width=500 style='width:375.0pt;padding:0in 0in 0in 0in;height:75.0pt'> <p align=center style='text-align:center'><b><u><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>American Sentinel s Privacy Policy</span></u></b></p> <p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>The Graham-Leach-Bliley Act regulates the sharing of personal information about individuals who obtain products or services from companies.&nbsp; It attempts to inform individuals about the privacy policies and practices of companies, so that consumers can use that information to make choices about companies with whom they wish to do business.&nbsp; </span></p> <p align=center style='text-align:center'><a href="American_Sentinel_PP.pdf"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Please click here to view American Sentinel s Privacy Policy</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>.</span></p> <p align=center style='text-align:center'><b><u><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>American Sentinel s HIPAA Notice</span></u></b></p> <p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>HIPAA Privacy Standards are designed to protect each individual s individually identifiable health information <i>( Protected Health Information or  PHI )</i> from being used or disclosed by Covered Entities without the individual s express authorization, except as explicitly permitted or required in certain limited circumstances.&nbsp; If health information does not meet the definition of Protected Health Information, then the Privacy Standards do not apply to that information.</span> </p> <p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Generally, the Privacy Standards restrict how a Covered Entity (essentially, health plans, health care providers who transmit health information in electronic form and health care clearinghouses) may use and disclose PHI  including when a use or disclosure is required or permitted  and the conditions relating to the use or disclosure.&nbsp; Covered Entities use or disclosure of, or requests for, PHI must consist of only the minimum amount necessary to accomplish the intended purpose of the use, disclosure, or request.</span></p> <p align=center style='text-align:center'><a href="../HIPAA_Notice.pdf"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Please click here to view American Sentinel s HIPAA Notice</span></a><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>.</span><o:p></o:p></p> </td> <td width=140 valign=top style='width:105.0pt;padding:0in 0in 0in 0in; height:75.0pt'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left width=137 style='width:102.75pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-table-lspace:2.25pt;mso-table-rspace:2.25pt;mso-table-anchor-vertical: paragraph;mso-table-anchor-horizontal:column;mso-table-left:left; mso-padding-alt:0in 0in 0in 0in' NOF=TE> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0in 0in 0in 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=137 style='width:102.75pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in' height=129 NOF=LayoutRegion1> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td valign=top style='padding:0in 0in 0in 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=129 style='width:96.75pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in' NOF=LayoutRegion1> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:46.5pt'> <td width=129 colspan=2 style='width:96.75pt;padding:0in 0in 0in 0in; height:46.5pt'> <p class=MsoNormal align=center style='text-align:center'><a href="http://www.aegisfirst.com/"><span style='mso-no-proof:yes; text-decoration:none;text-underline:none'><img border=0 width=129 height=62 id="_x0000_i1028" src="../aegis.jpg" alt="The Aegis Group"></span></a></p> </td> </tr> <tr style='mso-yfti-irow:1;height:18.75pt'> <td valign=top style='padding:0in 0in 0in 0in;height:18.75pt'></td> <td width=14 valign=top style='width:10.5pt;padding:0in 0in 0in 0in; height:18.75pt'> <p class=MsoNormal><span style='mso-no-proof:yes'><img border=0 width=14 height=1 id="_x0000_i1027" src="../clearpixel.gif"></span></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes;height:31.5pt'> <td width=115 style='width:86.25pt;padding:0in 0in 0in 0in; height:31.5pt'> <p class=MsoNormal align=center style='text-align:center'><a href="http://www3.ambest.com/frames/frameserver.asp?Site=ratings&amp;tab=1&amp;RefNum=4740&amp;AltSrc=1&amp;AltNum="><span style='mso-no-proof:yes;text-decoration:none;text-underline:none'><img border=0 width=115 height=42 id="_x0000_i1026" src="../best.jpg" alt="A.M. Best"></span></a></p> </td> <td valign=top style='padding:0in 0in 0in 0in;height:31.5pt'></td> </tr> </table> </td> </tr> </table> </td> </tr> </table> </td> </tr> <tr style='mso-yfti-irow:3;height:18.75pt'> <td width=140 style='width:105.0pt;padding:0in 0in 0in 0in;height:18.75pt'></td> <td width=500 style='width:375.0pt;padding:0in 0in 0in 0in;height:18.75pt' NOF="NB_FYHT"> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left width=422 style='width:316.5pt;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-table-lspace:2.25pt;mso-table-rspace:2.25pt;mso-table-anchor-vertical: paragraph;mso-table-anchor-horizontal:column;mso-table-left:left; mso-padding-alt:0in 0in 0in 0in' NOF=TE> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td nowrap style='padding:0in 0in 0in 0in'> <p><span style='font-family:"Arial","sans-serif"'>[</span><a href="../index.html"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Home</span></a><span style='font-family:"Arial","sans-serif"'>]&nbsp;[</span><a href="../About_Us/about_us.html"><span style='font-size:10.0pt; font-family:"Arial","sans-serif"'>About Us</span></a><span style='font-family:"Arial","sans-serif"'>]&nbsp;[</span><a href="../Agency_Licensing/agency_licensing.html"><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>Agency Licensing</span></a><span style='font-family:"Arial","sans-serif"'>]&nbsp;[</span><a href="../Contact_Us/contact_us.html"><span style='font-size:10.0pt; font-family:"Arial","sans-serif"'>Contact Us</span></a><span style='font-family:"Arial","sans-serif"'>]&nbsp;[</span><a href="privacy.html"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Privacy</span></a><span style='font-family:"Arial","sans-serif"'>]&nbsp;[</span><a href="../Products/products.html"><span style='font-size:10.0pt; font-family:"Arial","sans-serif"'>Products</span></a><span style='font-family:"Arial","sans-serif"'>]</span></p> </td> </tr> </table> </td> <td width=140 style='width:105.0pt;padding:0in 0in 0in 0in;height:18.75pt'></td> </tr> <tr style='mso-yfti-irow:4;height:18.75pt'> <td width=140 style='width:105.0pt;padding:0in 0in 0in 0in;height:18.75pt'></td> <td width=500 style='width:375.0pt;padding:0in 0in 0in 0in;height:18.75pt'> <p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Please contact our </span><a href="mailto:webq@aegisfirst.com"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Webmaster</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'> with questions or comments.<o:p></o:p></span></p> </td> <td width=140 style='width:105.0pt;padding:0in 0in 0in 0in;height:18.75pt'></td> </tr> <tr style='mso-yfti-irow:5;mso-yfti-lastrow:yes;height:48.75pt'> <td width=140 style='width:105.0pt;padding:0in 0in 0in 0in;height:48.75pt'></td> <td width=500 style='width:375.0pt;padding:0in 0in 0in 0in;height:48.75pt'> <p><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:windowtext'>Some products are not available in all areas.&nbsp; Please contact your Agent or American Sentinel for more information.&nbsp; For California Auto policy Information, contact Cabrillo Pacific Insurance Services at 866-655-0555.<span style='mso-spacerun:yes'>  </span>For California Auto claims services, contact Tidewater Pacific Adjusters at 866-425-9970.<span style='mso-spacerun:yes'>  </span>Copyright © American Sentinel Insurance Company.&nbsp; All rights reserved.</span></p> </td> <td width=140 style='width:105.0pt;padding:0in 0in 0in 0in;height:48.75pt'></td> </tr> </table> </td> </tr> </table> <p class=MsoNormal><span style='color:windowtext'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>