Household Insurance Group Holding Company **

Privacy Statement for Customers with Insurance Products

Introduction - Our Commitment to You

Household Insurance Group Holding Company ("HIG") is proud to be part of a financial services organization that has been providing superior products and services to its customers for more than 150 years. We greatly appreciate the trust that you and millions of customers have placed in us, and we will protect that trust by continuing to respect the privacy of all our applicants and customers even if our formal customer relationship ends.

How We Handle Information We Obtain

It is important for you to know that in order to ensure that our customers get the very best service and the highest quality products, HIG collects demographic information (like your name and address) and information related to your insurance coverage (like insurance application information). This information comes either directly from you, for instance, from your application, or from your transactions with us. In addition, if you visit our Internet web site, we may collect certain information about your Internet usage.

Because some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access, and we will not share the information in violation of any regulation or law. HIG diligently maintains physical, electronic and procedural safeguards that comply with applicable federal standards to guard your private personal information and to assist us in preventing unauthorized access to that information.

If you have selected insurance or another product offered by HIG, the Privacy Statement is set forth herein and is applicable to information used by HIG in connection with the insurance or other product you purchased. HIG does not disclose information about you to HIG's affiliates or to third parties, except as permitted by law.

We reserve the right to change our privacy practices at any time in accordance with applicable law. Notice of such changes will be provided if required by applicable law.

** Household Insurance Group Holding Company (also under the trade name of HSBC Insurance Services or HSBC Insurance) includes Household Insurance Group, Inc., Household Life Insurance Company, HSBC Insurance Company of Delaware (formerly known as Service General Insurance Company), First Central National Life Insurance Company of New York, Household Life Insurance of Delaware, BFC Insurance Agency of Nevada, HSBC Insurance Agency (USA) Inc., and such other companies Household Insurance Group Holding Company may subsequently acquire.