RESPECTING YOUR RIGHT TO PRIVACY

QBE PRIVACY NOTICE

At QBE, we value the trust of our customers and are committed to protecting the privacy of customer information.  That is why we only collect and disclose information needed to provide our customers with quality products and services.  We welcome this chance to describe the steps we take to protect our customer information.  Our goal is to ensure that you and individuals covered under your policy fully understand our policies and practices regarding the collection, use and protection of this information.

This privacy notice applies to all policyholders and their insureds who have a relationship with one or more of the following QBE insurance companies:

•	QBE Insurance Corporation
•	QBE Specialty Insurance Company
•	Praetorian Insurance Company
•	Praetorian Specialty Insurance Company
•	Redland Insurance Company
•	North Pointe Insurance Company
•	North Pointe Casualty Insurance Company
•	Midfield Insurance Company
•	Capital City Insurance Company

You will receive a copy of our privacy notice at the beginning of our business relationship and annually thereafter.  The privacy policies described in this notice apply to our current and former customers.  As our products and services continue to evolve, it may be necessary to review and revise our privacy policies, in which case we will provide an updated privacy notice.

Information  We Collect.   In order to provide high quality products, benefits and services, we must collect and often share information about you and individuals covered under your policy that is not publicly available.  We do this to better service your policy and process claims in a timely manner.  We collect the following types of information about you and individuals covered under your policy:

•		Information about the identity of you and individuals covered under your policy, including the names, addresses and social security numbers of such individuals;
•	Information we receive from you on applications or other insurance forms, such as the claims history or medical history of individuals covered under your policy; and
•	Information  about  your  transactions  and  experiences  with  us,  such  as  the products you purchased from us, your payment history, account balance, and amounts you paid for insurance.

Should we need to verify or obtain additional information about you or individuals covered under your policy, we may contact outside sources, such as agents, brokers, administrators, insurance support organizations, consumer reporting agencies, medical providers and government reporting agencies. Information collected from these outside sources may include claims history, employment information and medical reports.  Information obtained from outside sources may be retained by these outside sources and disclosed to other persons, in accordance with applicable laws.

PRV-5 (09-08)                                         Commercial Privacy Notice

How Your Information is Used.  In many cases, we need to share some or all of the information listed above to help us deliver the best possible services to you and individuals covered under your policy. These disclosures are often necessary to fulfill transactions you have requested and to service the insurance policies that you have applied for and/or purchased.

Service Providers.  We may provide information about you and individuals covered under your policy to trusted service providers inside or outside of QBE to provide operational and other support services.  For example, we may share information with your insurance agent or broker, claims adjusters and administrators, claims investigators, and outside companies that perform administrative services on our behalf.

Other Permitted Disclosures.  We may share information about you and individuals covered under your policy to comply with legal and regulatory requirements and for other limited purposes that are required or permitted by law.  For example, we may share information about you and individuals covered under your policy to:

•	Service and maintain your policy;
•	Process a transaction that you request;
•	Protect against fraud or criminal activity;
•	Report account activity to credit bureaus;
•	Comply with local, state or federal laws; and
•		Provide information requested by reinsurers, state insurance regulators and self regulatory organizations, insurance support agencies and law enforcement agencies.

Under no circumstance do we sell or share customer information to or with any party outside of QBE for purposes of independently selling their products or services to you.

Access to and Correction of Your Information.  Individuals covered under your policy may write to us if they have any questions about the information that we may have in our records about them or the identity of those persons to whom their information was disclosed during the two years prior to their request.  If they  wish,  they  may  review  this  information  in person  or  receive  a copy  at  a  reasonable  charge. Individuals covered under your policy can notify us in writing if they believe any information should be corrected, amended, or deleted, and we will review their request.  We will either make the requested change or explain why we did not do so.  If we do not make the requested change, they may submit a short written statement identifying the disputed information, which will be included in all future disclosures of their information.  All questions or requests should be directed to QBE's Privacy Officer at the address provided below.

Confidentiality and  Security of  Information.    QBE  dedicates  significant resources  to  protect  the security of our customer information. We restrict access to customer information to those individuals who need to know that information to provide products or services to you or individuals covered under your policy.  We also maintain physical, electronic, and procedural safeguards to protect customer information and guard against its unauthorized use.

Whom to Contact Regarding Privacy Matters.  If you have any privacy questions, you may contact
QBE's Privacy Officer by email at roberta.anderson@qbeamericas.com or by mail at QBE the Americas,

h

Attn: Privacy Officer, 88 Pine Street, 101

Floor, New York, New York 10005.

PRV-5 (09-08)	Commercial Privacy Notice

Notice to Policyholders
U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC")

NO COVERAGE  IS PROVIDED  BY THIS  POLICYHOLDER NOTICE  NOR CAN IT BE CONSTRUED  TO  REPLACE   ANY PROVISIONS  OF  YOUR  POLICY.  YOU  SHOULD READ YOUR POLICY  AND REVIEW  YOUR POLICY'S SCHEDULE OF BENEFITS  FOR COMPLETE INFORMATION ON THE COVERAGES YOU ARE PROVIDED.

THIS   NOTICE   PROVIDES  INFORMATION  CONCERNING   POSSIBLE   IMPACT   ON YOUR INSURANCE COVERAGE  DUE TO DIRECTIVES ISSUED BY OFAC.

PLEASE READ THIS NOTICE CAREFULLY

The Office of Foreign Assets Control (OFAC) administers  and enforces sanctions policy, based on
Presidential declarations of "national emergency". OFAC has identified and listed numerous:

Foreign agents; Front organizations; Terrorists;
Terrorist organizations; and
Narcotics traffickers;

as "Specially  Designated  Nationals  and Blocked Persons". This list can be located on the United
States Treasury's web site- http//www.treas.gov/ofac.

In accordance with OFAC regulations, if it is determined that you or any person insured under this policy, or any person or entity claiming the benefits of this insurance, has violated  U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, insurance provided  to such SDN will be considered  a blocked or frozen contract, and all provisions  of this insurance  applicable  to  him  are  immediately  subject  to  OFAC.  When  an  insurance  policy  is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made to or on behalf of the SDN without authorization  from OFAC. Other limitations on the premiums and payments also apply.

Includes copyrighted  material oflnsurance Services, Inc with its permission
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