Russo Picciurro Maloy,LLC
Privacy Policy Notice
(as of June 15,2001)

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 Russo Picciurro Maloy, RPM Insurance Agency and Russo-Picciurro Agency, LLC.

The GLBA further requires that we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for any purpose that is not specifically authorized by law. Your right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for a purpose that is not specifically authorized by law is called your right to "opt out" of such information sharing.

OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect:
We collect nonpublic personal information about you from the following sources:
         Information we receive from you on applications or other forms.
         Information about your transactions with us, our affiliates or others.
         Information we receive from a consumer reporting agency.
         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 the following kinds of nonpublic personal information about you:
         Information we receive from you on applications or other forms, such as your name,          address, social security number, assets, income, and beneficiaries;
         Information about your transactions with us, our affiliates or others, such as your policy          coverage, premiums, and payment history; and
         Information we receive from a consumer reporting agency, such as your creditworthiness          and credit history.
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.

3. Non-affiliated 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:national          banks and their subsidiaries; Federal branches and Federal agencies of foreign banks, and          any subsidiaries of such entities;member banks of the Federal Reserve System;branches          and agencies of foreign banks and commercial lending companies owned by foreign banks;organizations operating under the Federal Reserve Act; bank holding companies and their          non-bank subsidiaries; banks insured by the FDIC; insured state branches of foreign banks and any subsidiaries of such entities; savings associations, the deposits of which are          insured by the FDIC, and any subsidiaries of such savings associations; federally insured          credit unions and any subsidiaries thereof; securities brokers or dealers; investment          companies; and insurance providers
We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.

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 regulations).

If you wish to opt out of such disclosures to non-affiliated third parties, you may:
Check the appropriate box below or on the attached form

4. Affiliates with whom we share certain information protected by the Fair Credit Reporting Act, 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.

Our affiliated companies who may receive this information are:
         Financial service providers, such as: mortgage lenders and brokers
         Non-financial companies, such as: retailers, direct marketers, airlines,and publishers
         Our other affiliates, such as: nonprofit organizations

If you prefer that we not share this information with our affiliated companies, you may direct us not to share this information by doing the following: Check the appropriate box on the attached form.

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. 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.

7. Reservation of the right to disclose information in unforeseen circumstances:
In connection with the potential sale or transfer of its interests, Russo Picciurro Maloy and its affiliates, if any, 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 Russo Picciurro Maloy'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.

8. Customer acknowledgment and signature:
By signing my name below, I am indicating that I have read the privacy policy of Russo Picciurro Maloy and that I understand its terms. No promises or representations have been made to me to induce me to sign this form.

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Opt Out Form
(as of June 15,2001)

Please read the text below and decide whether you wish to exercise your right to opt out of the information sharing described. If you choose to exercise your right to opt out, you must mail this form back to us at 1000 South Avenue Staten Island, New York 10314.. Your response must be postmarked no later than 30 days from the date you received this notice from us in person in order for it to be valid. If you do not mail this form back or do not mail it back within 30 days, you have not exercised your opt out right, and we can share the information described.

______ I wish to exercise my right under the Gramm- Leach-Bliley Act to opt out of Russo Picciurro Maloy's sharing nonpublic personal information about me to non-affiliated third parties for purposes other than those that are permitted by law.

______ I wish to exercise my right under the Fair Credit Reporting Act to opt out of Russo Picciurro Maloy's sharing nontransactional information about me to affiliates.

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Customer Signature                   Date                         Policy Number