Welcome to the Capital Creation Web site. This section explains our policy regarding any personal information you might supply to us when you visit this site. Our goal is to protect your information on the Internet.

1. You can visit this site and find out about our products and services, read our corporate reports, or use other value-added services without giving us any information about yourself.
   
   
2. If you do provide personal information, refer to the "Capital Creation Privacy Promise for Consumers."
   
   

In order to provide better service or to address security hazards, we will occasionally use a "cookie." A cookie is a small piece of information, which a Web site stores on your Web browser on your PC and can later retrieve. The cookie cannot be read by a Web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. Most cookies last only through a single session, or visit to our site. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.

Your privacy is important to Capital Creation. This is why, as a member of Capital Creation, we are committed to the Capital Creation Privacy Promise for Consumers, which is as follows:

Capital Creation Privacy Promise for Consumers

1. We will safeguard, according to strict standards of security and confidentiality, any information our customers share with us.
   
   
2. We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.
   
   
3. We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our Privacy Promise will be subject to our normal disciplinary process.
   
   
4. We will not reveal customer information to any external organization unless we have previously informed the customer in disclosures or agreements, have been authorized by the customer, or are required by law.
   
   
5. We will always maintain control over the confidentiality of our customer information. We may, however, facilitate relevant offers from reputable companies. These companies are not permitted to retain any customer information unless the customer has specifically expressed interest in their products or services.
   
   
6. Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance.
   
   
7. For purposes of credit reporting, verification and risk management, we will exchange information about our customers with reputable reference sources and clearinghouse services.
   
   
8. We will not use or share - internally or externally - personally identifiable medical information for any purpose other than the underwriting or administration of a customer's policy, claim or account, or as disclosed to the customer when the information is collected, or to which the customer consents.
   
   
9. We will attempt to keep customer files complete, up-to-date, and accurate. We will tell our customers how and where to conveniently access their account information (except when we're prohibited by law) and how to notify us about errors, which we will promptly correct.