Summary of the Online Practices Privacy Policy

The Online Practices Privacy Policy explains how we may collect information from you online when you visit a Crown American Capital Web site.

The Online Practices Privacy Policy, effective as of July 1, 2006, is for general guidance and subject to change. Please review periodically.

Customer information means personally identifiable information about a consumer or a consumer's current or former customer relationship with Bank of America.

Browsing our site

You can browse our sites anonymously by choosing not to provide us with any personally identifiable information, such as your name or e-mail address, during your visits to our sites. When you browse this way, we won't be able to link your online activity with the accounts you have with us.

Browsing anonymously after you've identified yourself involves setting your browser to disable cookies and similar files or by deleting the cookies and similar files that you have accepted from us. To do this, you'll need to follow your browser's instructions for disabling cookies or deleting cookies. Please note that the use of certain online products, such as Online Banking, do require the acceptance of cookies or similar files.

Cookies and Similar Files

In all cases, cookies and similar files that we place on your computer do not contain any personal information unless encrypted, and we never use cookies or other files to track your use of other web sites. We may place cookies or similar files on your hard drive for security purposes, to facilitate site navigation, and to personalize your experience while visiting our site. Our cookies do not identify you as an individual or by account number.

If you do not accept these cookies or similar files, you may experience some inconvenience in your use of some online products. For example, for Online Banking we will not be able to recognize your computer and you will need to answer a challenge question each time you log on.

Cookies are pieces of information stored directly on the computer you are using. Bank of America uses cookies in two ways:

• Web Browsing Cookies. Cookies used for Web Browsing can contain a variety of information, such as a simple count of how often you visit a Web site or information that allows customization of a Web site for your use. Bank of America uses cookies to display information more effectively to you and to gather data about the usage of our Web site.
  Cookies allow us to collect technical and navigational information such as browser type, time spent on our site, and the pages visited. They do not contain or capture customer specific data. We may also use cookies in online advertising to track consumer responses to advertisement. This provides us the capability to monitor the use of our site so we can continually improve the design and functionality to better serve you.
• Similar Files. Some web sites use technologies similar to cookies to store information. For example, Bank of America also uses files called Flash Objects in connection with Online Banking. This is used to help assure security as part of our SiteKey service. As with cookies, we never store personal information unless encrypted, and we never use to track your use of other web sites.

Collecting information

When you visit our website, we may collect the following information in order to service your accounts, save you time and money, and better respond to your needs:

• Application information. Information that you provide to us online in applications and other forms. Examples include your assets, income and debt.
• Identification Information. Information that identifies you such as name, address, telephone number and Social Security number.
• Transaction and experience information. Information about your online transactions and account experience, as well as information about our online communications with you. Examples include your online bill payments and your activity on the website, such as collecting information on product information reviewed.

How we may share information

Crown American Capital may share Customer Information we collect from you online with our family of companies and with companies that work for us. All nonaffiliated companies that act on our behalf and receive Customer Information from us are contractually obligated to keep the information we provide to them confidential and to use the Customer Information we share only to provide the services we ask them to perform. These companies may include financial service providers such as payment processing companies, and nonfinancial companies such as check printing and data processing companies.

We also may disclose Customer Information we collect about you online to credit bureaus and similar organizations and when required or permitted by law. For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention or investigation, risk management and security, and the recording of deeds of trust and mortgages in public records.

Customer Information may also be disclosed to companies that process your requests for products or services or in connection with the sale of your account to another financial institution. We also may share Customer Information outside Crown American Capital companies when we have your consent, such as when you request a specific insurance rate quote from a third party insurer.

Making sure information is accurate

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or appropriate address for such changes listed on your account statement, bank records or other account materials.