THE MCGRAW GROUP OF AFFILIATED COMPANIES

PRIVACY POLICY

The McGraw Group of Affiliated Companies (hereafter "The McGraw Group") values you as a customer. We understand that the basis for our relationship is the trust you have placed in all of the affiliated McGraw Group companies. To help maintain that trust and to demonstrate our commitment to you and your privacy, The McGraw Group has adopted this privacy policy.

This privacy policy explains our promise to protect the privacy of nonpublic personal and financial information (NPFI) we obtain about you. It also lists:

•  Types and sources of NPFI we may collect.
•  Affiliates and non-affiliates affected by this policy.
•  Your privacy options regarding the sharing of any NPFI we collect.

It is the policy of The McGraw Group and all of its affiliated companies to safeguard all NPFI we obtain from any source about you and our other customers. In accordance with this policy, we promise to:

• Safeguard any NPFI customers share with us.
• Limit the collection and use of our customers' NPFI.
• Permit only authorized employees and third-party entities, who are trained in the proper handling of our customers' NPFI, to have access to such information.
• Not reveal any NPFI about any of our customers to non-affiliated third parties. The only exception is for those entities to whom we must release NPFI in order to fulfill a request for services or a product by a customer, or to comply with law, government regulators or a court order.
• Maintain control of our customers' NPFI. This is accomplished through the use of physical, electronic and procedural safeguards.
• Attempt to maintain the accuracy of our customers' NPFI.
• Never, under any circumstances, sell our customers' NPFI.

The NPFI we collect about you comes from the following sources:

1. Information we receive from you on an application or other forms. This includes your name, address and telephone number.
2. Information about your transactions with us or our affiliates, such as your premium payment history; and
3. Information we receive from non-affiliated third parties. Examples are:
   
   
   • Your driving record.
   • Your claims history.
   • Home inspection report.

We only disclose NPFI to affiliates when you request a specific service or product that requires such disclosure, or for marketing purposes to make you aware of other products and services we provide. We do not provide NPFI to any non-affiliated entities for marketing purposes.

Under the terms of this privacy policy, an affiliated entity of The McGraw Group is any company that is under the direct and exclusive control of The McGraw Group's parent company, Western Service Contract Corporation. This includes:

• Western Service Contract Corporation (Western Specialty Contract Corp. in Texas);
• Pacific Specialty Insurance Company;
• Pacific Specialty Management Company and Pacific Specialty Lloyds;
• The McGraw Company dba McGraw Insurance Services and dba McGraw Specialty Insurance Services;
• McGraw Commercial Insurance Services;
• Pacific Loan Administrators; and
• Rockridge Finance Corporation.

We do not obtain NPFI from non-affiliated financial service providers, such as credit reports, for any of the products or services provided by The McGraw Group. We may obtain or share NPFI with the following non-affiliated third party entities:

• Non-financial companies that provide information needed to underwrite or otherwise process, perform or provide a service or product that you have requested. This includes:
  • Companies that provide information about your driving record.
  • Companies that provide information about your claims history with both affiliated and non-affiliated entities.
• Non-affiliated entities when:
  • Permitted by law.
  • Required by court order.
  • Requested by government regulators for statistical reporting or state/federal compliance matters.

We protect the privacy of your NPFI through a combination of physical, electronic and procedural security safeguards. In total, these safeguards allow only trained and authorized employees and third party entities, such as law enforcement, to have direct access to any NPFI that we collect and maintain about you.

The McGraw Group does not collect any information about you other than the NPFI you provide us through your agent. IP addresses are never stored on our server and cookies are never sent from our server to the hard drive of any Website user. Our secure server uses a Secure Sockets Layer to safeguard all NPFI received via online quotes and purchases. All NPFI is protected using 128-bit encryption.

E-mail messages are not secure or encrypted. The McGraw Group encourages you to limit e-mail use to comments and questions that do not contain NPFI. Please work with your agent, utilize a postal service, or call us at (800) 828-3003 when required to provide any additional NPFI.

As noted in this policy, The McGraw Group does not share your NPFI with any affiliated or non-affiliated entities, except as provided by law or as authorized by you in order to perform a service or provide a product that you have requested. Since there are no marketing agreements or other arrangements in place where we share your NPFI with non-affiliated third party entities, it is not necessary for you to "opt-out" of our sharing your NPFI.

You have the right to review and correct any of your NPFI on file with our company. Should you wish to review this information, please fax Jeffrey R. Kenny at (650) 780-4848 or write to us at:

The McGraw Group of Affiliated Companies
ATTN: Jeffrey R. Kenny
3601 Haven Avenue
Menlo Park, CA 94025-1064

This privacy policy can also be viewed on our Website at www.mcgrawgroup.com.

Thank you for placing your trust and confidence in us.