Terms and Conditions of Use

Please read these terms and conditions of use ("Terms of Use") carefully as they apply to your access and/or use of this website (“Site”). By accessing this Site and any pages contained therein, you acknowledge your assent to, and your understanding of, these Terms of Use without limitation or qualification. These Terms of Use may be revised at any time by updating this Site. By accessing this Site, you are bound by any such revisions and should therefore periodically visit this page to review the then current Terms of Use to which you are bound.

This Site is owned and operated by Glatfelter Insurance Group, its subsidiaries and affiliates (together the “Glatfelter Insurance Group”) . Glatfelter Insurance Group does not represent that the information on this Site is appropriate or available for use in all States or locations. Those who access this Site do so on their own initiative and are responsible for compliance with all applicable laws. The laws of the United States and the Commonwealth of Pennsylvania shall govern this Site, these Terms of Use and any claims relating to this Site.

Warranty Disclaimer

To the fullest extent permissible pursuant to applicable law, the materials on this Site are provided "as is" and without warranties of any kind, either expressed or implied, and Glatfelter Insurance Group disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Glatfelter Insurance Group does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Site or the server that makes it available are free of viruses or other harmful components. Glatfelter Insurance Group does not warrant or make any representations regarding the use or the results of the use of the materials on this Site in terms of their correctness, accuracy, reliability, or otherwise. When accessing this Site, you assume risk of loss to your software, files, records, and computer equipment, including any and all necessary repair, service or correction thereto.

The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes as a convenience to agents, brokers and customers of the Glatfelter Insurance Group ; please refer to the actual policy or the relevant product or services agreement. The information on this Site pertains only to products and services available through insurance agents and brokers licensed, and to customers residing, in the United States.

It is your responsibility to evaluate the accuracy, completeness, suitability and usefulness of any opinions, advice, products, services or other information provided on this Site and their application to your factual setting. All information on this Site is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting, financial planning, estate planning or other professional advice or opinions on specific facts or matters and accordingly they assume no liability whatsoever in connection with its use. Consult your legal or tax advisors with respect to your personal situation.

Limitation of Liability

While Glatfelter Insurance Group uses reasonable efforts to include accurate and up-to-date information on this Site, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Glatfelter Insurance Group makes no warranties or representations regarding the use and content of this Site and, accordingly, under no circumstances, including but not limited to negligence, shall Glatfelter Insurance Group or any party involved in creating, producing, or delivering the Site be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Site, even if Glatfelter Insurance Group or a Glatfelter Insurance Group authorized representative has been advised of the possibility of such damages.

Glatfelter Insurance Group also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from this Site.

Restrictions on Use of Materials

This Site is owned and operated by Glatfelter Insurance Group. Glatfelter Insurance Group is the copyright owner or authorized licensee of all text and graphics contained on this Site. Except as otherwise expressly permitted by Glatfelter Insurance Group, no materials from this Site or any website owned, operated, licensed or controlled by Glatfelter Insurance Group may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.

You may download material displayed on this Site for your personal use only, provided that you maintain all copyright and other proprietary notices contained on the materials. You may not reproduce, download, copy, distribute, modify, transmit, reuse, repost or use the content of this Site for public or commercial purposes, including the text, graphics, images, audio and video without permission of the Glatfelter Insurance Group. You may request permission by sending your request to Glatfelter Insurance Group, Attention: Law Department, P.O. 2726, York, Pennsylvania 17405.

Intellectual Property

"Glatfelter Insurance Group" and certain logos of its affiliated companies are registered trademarks of the Glatfelter Insurance Group or its affiliated companies. All trademarks, service marks, trade names, logos, and icons are proprietary to Glatfelter Insurance Group, provided that, a ny insurance company trademarks or service marks that may appear on this Site are the property of their respective owners. Glatfelter Insurance Group does not warrant or represent in any way that your use of the materials displayed on this Site will not infringe rights of third parties. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Site without the written permission of Glatfelter Insurance Group. Your use of the trademarks displayed on this Site, or any other content on this Site, except as provided herein, is strictly prohibited. Except as indicated otherwise, all information, text, graphic images, logos, features or functions, and layout (including the "feel and look"), as well as any copyrights or other rights, are the exclusive property of the Glatfelter Insurance Group or its third party licensor, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained the Glatfelter Insurance Group's or its licensor’s express written consent. Nothing on this Site should be construed as granting a license or any other right to use any copyrighted materials displayed on this Site. Moreover, the downloading or printing of any materials on this Site will not result in the transfer, explicit or implied, of any rights.

No Offer

The information contained on this Site is not intended to be a solicitation or an offer to sell in connection with any product or service and is not a complete description of all terms, conditions and exclusions applicable to the products and services described. The information contained on this Site is time sensitive which may diminish its accuracy and reliability. A more complete description of the terms, conditions and exclusions of insurance coverages or other products or services is available by contacting us directly and may also be available through your local independent insurance producer. The insurance products and services referenced in this Site may not be available in all states or jurisdictions. Our agency, its subsidiaries and affiliated agencies may not be licensed to provide information in your state or local jurisdiction regarding some or all the insurance products and services referenced in this Site. The materials contained on this Site are not intended to be a substitute for professional advice. Please consult an appropriate advisor for complete and current information.

Links

Links to other websites that are not maintained by Glatfelter Insurance Group are provided only for your information and convenience. External website addresses or sites contain information created, published, maintained or otherwise posted by organizations and entities independent of Glatfelter Insurance Group. Glatfelter Insurance Group does not assume any responsibility or liability in connection with any website linked from this Site or linking to this Site (“Website Links”), including its contents and operation. Glatfelter Insurance Group does not review or monitor such Website Links. Website Links do not constitute a referral, endorsement, approval, advertising, offer or solicitation in connection with such external websites. Glatfelter Insurance Group does not approve, endorse or certify any information available at any external website or linked address contained on this Site.

The owner of any external independent website (“External Site Owner”) whose site contains a link to any Glatfelter Insurance Group website is an independent entity and has no authority to make any commitments or bind or seek to bind Glatfelter Insurance Group to any contract, agreement, policy or other obligation without the prior written approval of Glatfelter Insurance Group. External Site Owners may not make a link to this Site, whether to its home page, to any internal page or otherwise, without the written consent of Glatfelter Insurance Group. External Site Owners are solely responsible for the content, access, use and control of their respective web sites. Any Glatfelter Insurance Group owned service mark, trademark, logo or design, or other designation containing a Glatfelter Insurance Group owned service mark or trademark, which is used by an External Site Owner to link to this Site, is used only with written permission of the Glatfelter Insurance Group and solely for the limited purpose of providing a link to this Site. The Glatfelter Insurance Group reserves all rights in any of its service marks or trademarks used to link to this Site by any External Site Owner and any such mark or marks shall be and remain the sole property of the Glatfelter Insurance Group.

At Glatfelter Insurance Group, protecting your privacy is very important to us. We recognize that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and are very careful to preserve the private nature of our relationship with you. At the same time, the very nature of our business sometimes requires that we collect or share certain information about you with other organizations or companies. Therefore, we want you to be aware of how we handle personal information.

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of the Glatfelter Insurance Group and its affiliated companies (hereafter referred to as "Glatfelter Insurance Group" or "GIG"). For a complete list of Glatfelter Insurance Group affiliated companies, please see the section titled, "Glatfelter Insurance Group Family of Companies."

The Glatfelter Insurance Group and its affiliated companies do not and will not sell or share nonpublic personal information about you with any non-affiliated third party for any purpose unless you authorize it or it is otherwise permitted by law.

Our "affiliates" are companies with which we share common ownership and which offer property and casualty, life and health, and certain benefit products.

OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect:
We collect nonpublic personal information about you from various sources to help serve your financial and insurance needs, provide customer service, offer new products or services, and fulfill legal and regulatory requirements. The type of information that GIG collects varies according to the products or services you request, and may include:

• Information we receive from you on applications, interviews, or by other means (such as name, address, Social Security number, assets and income);
• Information about your transactions with us, our affiliates or others (such as products or services purchased, account balances and payment
history);
• Information from your employer, benefit plan sponsor, or association for any insurance product you may purchase through GIG (such as name, address, Social Security number, age and marital status);
• Information we receive from a consumer reporting agency (such as credit relationships and history);
• Information from other non-GIG sources (such as motor vehicle reports, medical information, and demographic information);
• Information from visitors to GIG websites (such as that provided through online forms, site visitor data and online information collecting devices known as "cookies").
Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

2. Information we may disclose to third parties:
We may disclose all of the information we collect, as described above, about our customers or former customers, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We also may disclose information about our customers or former customers as permitted by law.

Any medical or health information we collect about you will be disclosed to third parties only to underwrite insurance or administer your policy or claim, as permitted by law or as authorized by you and consistent with our HIPAA Privacy Policy below.

3. Nonaffiliated third parties to whom disclosures may be made:
We may disclose nonpublic personal information about you, such as we have described above, to the following types of third parties that perform marketing services on our behalf or with whom we have joint marketing agreements:

• Fulfillment service providers, such as envelope stuffing services;
• Financial institutions with whom we have joint marketing agreements, such as insurance companies, agencies and brokerages; and
• Non-Financial Institutions with whom we have joint marketing agreements or who may be performing services or functions on our behalf, such as trade associations and affinity groups.

These disclosures will be made only to the extent permitted by law. We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.

4. Affiliates with whom we share certain information protected by the Fair Credit Reporting Act, unless you tell us not to:

A. Categories of Information We Disclose to Affiliated Companies:
We may disclose the following kinds of nonpublic personal information about you to our affiliates:

• Information we receive from you on applications or other forms, such as name, address and Social Security number, and information we may receive from you in connection with insurance products, such as your
assets and income;
• Information about your transactions with us, our affiliates or others, such as types of insurance and investments you have through us, your policy information, payment history, and parties to the transaction; and
• Information we receive from consumer reporting agencies and other agencies, such as your creditworthiness, credit history and motor
vehicle report.

We disclose this information to our affiliates for a number of reasons, such as to assist us in administering your insurance or to identify products or services our affiliates may offer that may be of interest to you. Our affiliates observe the same practices we do to protect the privacy of information about you.

B. Categories of Affiliates to Whom We Disclose Information:

We may disclose nonpublic personal information about you to the following types of our affiliated companies: our insurance agency and brokerage companies and our insurance agents and brokers.

Under the Fair Credit Reporting Act, you may exercise your right to opt out of Glatfelter Insurance Group’s sharing of non-transactional information about you with GIG affiliates. GIG may share other information about you with its affiliates as permitted by law. If you prefer that GIG not share non-transactional information about you with GIG affiliates as provided under the Fair Credit Reporting Act, then you may direct us not to share this information by writing us at Glatfelter Insurance Group, Attn: Privacy Coordinator, P.O. Box 2726, York, Pennsylvania 17405 and simply state, "I wish to exercise my right under the Fair Credit Reporting Act to opt out of Glatfelter Insurance Group’s sharing of non-transactional information about me with GIG affiliates." We will honor your request.

5. 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.

6. Reservation of the right to disclose information in unforeseen circumstances:

In connection with the potential sale or transfer of its interests, GIG and its affiliates reserves 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 GIG’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.

HIPAA PRIVACY NOTICE

This HIPAA Privacy Notice is in effect as of April 14, 2003.

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

1. Statement of Our Duties
We are required by law to maintain the privacy of your personal health information and to provide you with this notice of our privacy practices and legal duties. We are required to abide by the terms of this notice.

WE RESERVE THE RIGHT TO CHANGE THE TERMS OF THIS NOTICE AND TO MAKE ANY NEW PROVISIONS EFFECTIVE TO ALL OF THE PERSONAL HEALTH INFORMATION THAT WE MAINTAIN ABOUT YOU. IF WE CHANGE OUR NOTICE, YOU MAY OBTAIN A COPY OF THE REVISED NOTICE BY REQUESTING IT IN PERSON AT OUR OFFICE OR BY SENDING A WRITTEN REQUEST FOR A COPY TO OUR PRIVACY COORDINATOR AT GLATFELTER INSURANCE GROUP, ATTN. PRIVACY COORDINATOR, P.O. BOX 2726, YORK, PENNSYLVANIA 17405.

2. Statement of Your Rights
You have a right to know how we may use or disclose your personal health information. This notice informs you of those uses and disclosures. There are certain uses and disclosures of your personal health information that we are permitted or required to make by law without your permission. For all other uses and disclosures, we first must obtain your permission. In addition, you have the following rights:

• The right to request that we place additional restrictions on our uses and disclosures of your personal health information. However, we are not obligated to agree to impose any such additional restrictions.
• The right to access, inspect and copy the protected information pertaining to you that we maintain in our files about you, and the right to have us correct or amend any information that we create in error. Requests to access or amend your health information should be sent to
the contact person and address provided in paragraph 7.
• The right to receive an accounting of the disclosures of your personal health information that we make for purposes other than activities related to your treatment, or our payment functions or other health care operations.
• The right to request that you receive communications of personal health information in a confidential manner.
• The right to obtain a paper copy of this notice from us on request.

3. Information We Collect About You
We collect the following categories of information about you from the following sources:

• Information that we obtain directly from you, in conversations or on applications or other forms that you fill out.
• Information that we obtain as a result of our transactions with you.
• Information that we obtain from your medical records or from medical professionals.
• Information that we obtain from other entities, such as health care providers or other insurance companies, in order to service your policy or carry out other insurance-related needs.

4. Permissible Uses and Disclosures of Protected Information

• To Carry Out Treatment Functions. We may use or disclose your health information without your permission for health care providers to provide you with treatment.
• To Carry Out Payment Functions. We may use or disclose your health information without your permission to carry out activities relating to
reimbursing you for the provision of health care, obtaining premiums, determining coverage, and providing benefits under the policy of insurance that you are purchasing. Such functions may include reviewing health care services with respect to medical necessity, coverage under
the policy, appropriateness of care, or justification of charges.
• To Carry Out Certain Operations Relating To Your Benefit Plan. We also may use or disclose your protected health information without your permission to carry out certain limited activities relating to your health insurance benefits, including reviewing the competence or qualifications of health care professionals, placing contracts for stop-loss insurance and conducting quality assessment activities.
• In Situations Permitted Or Required By Law. We also may use or disclose your protected health information without your written permission for other purposes permitted or required by law, including the following:
• As authorized by and to the extent necessary to comply with workers’ compensation or other no-fault laws.
• As authorized by law and to the extent necessary to service insurance policies and benefits that are exempt benefits, such as in connection with servicing life, disability, property and casualty, accident and sickness,
worker’s compensation and auto insurance or other similar insurance coverage under which benefits for medical care are secondary or incidental to other insurance benefits.
• To a health oversight agency for activities including audits or civil, criminal or administrative proceedings.
• To a public health authority for purposes of public health activities (such as to the Food and Drug Administration to report consumer product
defects).
• To a law enforcement official for law enforcement purposes or in response to a court order or in the course of any judicial or administrative proceeding.
• To organ procurement organizations, or to other entities for approved research purposes.
• To a government authority, including a social service or protective services agency, authorized to receive reports of abuse, neglect or domestic violence.
• For Any Purposes to Which You Have Not Objected. In certain limited circumstances, we may use or disclose your protected health information after we have given you an opportunity to object and you have not objected. For example, if you do not object, we may use limited
information about you to maintain an office directory, to notify family members or any other person identified by you regarding issues directly related to such person’s involvement with your care or payment for that care, or in emergency circumstances.
• As Permitted By Plan Documents. In certain limited circumstances where we may be acting as a third party administrator, we may disclose your protected health information to plan sponsors pursuant to the
restrictions imposed on the plan sponsor in the sponsor’s plan documents.
• For Purposes For Which We Have Obtained Your Written Permission. All other uses or disclosures of your protected health information will be made only with your written, permission, and any permission that you give us may be revoked by you at any time.

5. Complaints About Misuse of Health Information
You may complain either directly to us or to the Secretary of Health and Human Services if you believe that your rights with respect to our protection of your health information have been violated. To file a complaint with us, you may submit a complaint in writing that includes as many details (such as names and dates) as possible to our Privacy Officer at the address in Paragraph 7. You will not be retaliated against in any way for filing a complaint.

6. Our Practices Regarding 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.

7. Contact Person For Filing Complaint or Obtaining Further Information

GLATFELTER INSURANCE GROUP
ATTN. PRIVACY COORDINATOR
P.O. BOX 2726
YORK, PENNSYLVANIA 17405
(717) 741-0911

Our Policy Regarding Dispute Resolution
Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, 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.
Glatfelter Insurance Group Family of Companies

This Notice is being provided on behalf of the following
Glatfelter Insurance Group affiliates:

Arthur J. Glatfelter Agency, Inc.
The Glatfelter Agency, Inc.
Leader Heights Brokerage
Special Needs Agency
Susquehanna Agents Alliance, LLC
GIG of Missouri, Inc.
The Insurancenter
Glatfelter Underwriting Services, Inc.
Volunteer Firemen’s Insurance Services, Inc.
Robert S. Maxam, Inc.
VFIS of Texas, Inc.
Glatfelter Claims Management, Inc.
Rural Special Districts Insurance Services
Foundry Insurance Agency, Inc.
NHPCO Claims Management
NHPCO Insurance

P.O. Box 2726
183 Leader Heights Road
York, Pennsylvania 17405
(717) 741-0911 • (800) 233-1957

We may have in place a previously existing contingent compensation agreement with one or more insurance companies, whereby, in connection with your transaction, we may receive additional compensation for placing coverage with particular insurance companies. More detailed information about relevant contingent compensation agreements, if any, and the compensation received pursuant to such agreements is available upon request.