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health information, please contact our Privacy Officer at <br />the address noted below. <br />Sharing Information with Other Parties. You may <br />permit us to share your information with other parties. <br />Your information may be shared without your consent <br />with our affiliates and other third parties if permitted by <br />law. We do not share your information for any purpose <br />that requires an opt -in or opt -out. <br />Our affiliates are listed and include, but are not limited <br />to, our broker- dealers and our trust company. Your <br />information may be shared to serve you better or to <br />make it easier for you to do business with us. <br />We may also share your information with vendors and <br />financial institutions. Vendors perform services for us <br />such as processing transactions. Financial institutions <br />such as banks have marketing agreements with us. We <br />have agreements with these parties requiring them to <br />protect the privacy of your information. They are not <br />allowed to use the information other than as specified or <br />permitted by law. <br />Other disclosures that may be made without your <br />consent, include: <br />• To detect or prevent fraud & other criminal <br />activity; <br />• To a medical professional for eligibility or audit <br />purposes; <br />• In response to a question from a government <br />agency; <br />• For purposes otherwise permitted or required <br />by law; <br />• In response to a subpoena or court order; <br />• To a group policy holder to report claims <br />experience or for an audit; <br />• In connection with a sale or merger of all or part <br />of our business; <br />• To a government agency to determine your <br />eligibility for benefits they may have to pay for; <br />• To a peer review committee to evaluate a <br />medical professional; <br />• To a certificate holder or policyholder to provide <br />information about the status of a transaction. <br />Our Treatment of Information about Former <br />Customers. If our relationship ends, we will not share <br />your information with third parties except as the law <br />requires or permits. <br />Access to Information. You may access your <br />information by submitting a written request that describes <br />the information. We will respond within 30 business days <br />or as required by state law. Our response will explain <br />