Information we may disclose to third parties: We may disclose all of the information that we collect about you, as described above.

Nonaffiliated third parties to whom disclosures may be made:

A. Nonaffiliated Third Parties To Whom Disclosures May Be Made We may disclose nonpublic personal information about you to the following types of third parties, unless you tell us not to: Financial service providers, such as ‘property & casualty insurers, automobile insurers, life insurers, securities broker-dealers, and insurance agents" , Non-financial companies, and others. We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.

B. Notification of Your Right To Opt Out of Certain Disclosures: As we have indicated in this Privacy Policy Notice, we collect certain nonpublic personal information about you, and we may disclose that information to certain non-affiliated third parties for purposes other than those expressly permitted by the Gramm-Leach-Bliley Act and the federal and state regulations implementing that Act. If you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those disclosures that are expressly permitted by the Gramm-Leach-Bliley Act and its implementing regulation). If you wish to opt out of such disclosures to non-affiliated third parties, you may fill out and tear off the bottom of this sheet and mail it back to this address: Karsanidi Group, 635 Danbury Road Suite 2A, Ridgefield, CT 06877.

Affiliates with whom we share certain information protected by the fair credit Reporting Act, unless you tell us not to:

A. Information we can share with our affiliates, unless you tell us not to: Unless you tell us not to, we may share with our affiliated companies information about you, including: Information we obtain from your insurance application, such as your income or your marital status; Information we obtain from a consumer report, such your credit score or credit history; Information we obtain to verify representations made by you, such as your open lines of credit; and Information we obtain from a person regarding its employment, credit, or other relationship with you, such as your employment history.

B. Our affiliated companies who may receive this information are: Financial service providers, such as: ‘insurers and securities broker dealers; Non-financial companies and others.

C. How to tell us not to share this information with our affiliated companies: If you prefer that we not share this information with our affiliated companies, you may direct us not to share this information by filling out and tear off the bottom of this sheet and mail it back to the address shown there.

Our practices regarding information confidentiality and security: We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Our policy regarding dispute resolution: Any controversy or claim arising out of or relating to our privacy policy, or the breach there of, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Reservation of the right to disclose information in unforeseen circumstances: In connection with the potential sale or transfer of its interests, KARSANIDI GROUP, INC. and its affiliates, reserve the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be KARSANIDI GROUP, INC.’s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.

Changes to our Policy: If we revise our procedure relating to this privacy policy, we will provide notice of the changes.

Customer acknowledgment and signature: By signing my name below, I am indicating that I have read the privacy policy of KARSANIDI GROUP, INC., and that I understand its terms. No promises or representation have been made to me to induce me to sign this form. _____________________________ ________________________________ __________

Print Client/Company Name Signature Date

If you have any questions about this notice, please contact KARSANIDI GROUP at 800.277.5407

__________ I want to exercise my right under the FCRA to opt out of affiliate information sharing.

__________ I want to exercise my right under the GLBA to opt out of information sharing with non-affiliated third

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