PRIVACY

Protecting your privacy is important to us. We want you to understand what information we collect and how we use it. This notice sets forth our policy for the collection, use and security of your nonpublic personal financial information.

WHAT INFORMATION WE COLLECT
As a part of our business, we may collect "nonpublic personal information" about you in order to provide a financial product or service to you. This includes information we receive from you on applications or other forms, information about your transactions with us or others, and information we may receive from a consumer reporting agency.

WHAT INFORMATION WE DISCLOSE
We do not disclose any nonpublic personal financial information about our customers or former customers to anyone, except as permitted by law.

OUR SECURITY PROCEDURES
We restrict access to nonpublic personal financial information about you to those persons who need to know that information to provide products or services to you and disclose such information only for legitimate business or legal reasons. We maintain physical, electronic and procedural safeguards that comply with federal regulations and applicable state law to protect your nonpublic personal financial information.

This notice has been provided to you pursuant to the Gramm-Leach-Bliley Act and the rules of the Texas Department of Insurance, which require a financial institution, such as an insurer, to notify customers of its privacy practices and procedures on an annual basis. This notice is for your information only. No action on your part is required.

LEGAL POLICY
Please read the following terms and conditions carefully since they govern the use of the website of CLS By accessing this site, and any of the pages therein, you agree to be bound by the terms and conditions below, as they may be modified by CLS from time to time. If you do not agree to the terms and conditions below, do not access this site or any of the pages therein. Each user of this website agrees to the following terms and conditions:

PURPOSE
This website is for transactions and inquiries only. No party may modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create, transfer, or sell any information, software, products or services obtained from this website.

ACCESS TO AND FROM WEBSITE
Transmissions and communications to and from this website, even if done with the use of a secure internet browser, may be read or intercepted by third parties. Each user of this website agrees that CLS will not be held liable should such interception occur.

USE OF WEB SITE CONTENTS
All information, documents and material posted in this website are the property of CLS solely for the internal use of CLS website users and may not be resold, republished, or copied (for other than internal use), without the prior written consent of CLS In addition, all information, documents and materials posted in this website are subject to change. All products and services described in this website are subject to the terms of the applicable agreements, are only offered in jurisdictions where they may be legally offered for sale and not all products and services are available in all geographic areas. A particular website user's eligibility for particular products and services is subject to final CLS approval.

KEEPING INFORMATION ACCURATE
We take appropriate steps to keep your account information secure, confidential, accurate and up-to-date. This is important so that no matter how you access your information (on account statements, by phone, or online) it will be correct. If you ever notice that your information is not complete, accurate or current, please call (866) 321-8745 to let us know. We will correct the information as quickly as possible.

NO WARRANTIES; LIMITATION OF LIABILITY
The contents, information and materials contained in this website, including text graphics, links or other items are provided "as is" and "as available." No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, freedom from computer virus is given in conjunction with the information.

In no event will CLS be liable for any damages, including without limitation, direct or indirect, special, incidental, punitive, or consequential damages, losses or expenses arising in connection with this website or use thereof or the inability to use by any party, or in connection with any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure. The access by any user to any hyperlinks to other internet resources are at the user's own risk and the content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by CLS

MISCELLANEOUS
Whenever possible, each provision of these terms and conditions shall be interpreted in such a manner as to be effective and valid under applicable law, but if any provision of these terms and conditions shall be prohibited by or invalid under applicable law, such provision of these terms and conditions. No waiver by CLS of any term or condition described herein shall operate as a waiver of any other term or condition described herein.

You agree to the exclusive jurisdiction of the state courts in Harris County, Texas, and the Federal Courts of the state of Texas, for any disputes arising out of or relating to the use of this website or the services or CLS provided in connection therewith, and you further consent to the jurisdiction of such courts, and waive the right to object to the jurisdiction or venue of such courts on any grounds, including forum non conveniens.