Questions regarding this statement should be directed to Chartwell Insurance Services at info@chartwellins.com or by contacting:

Chartwell Insurance Services.
541 North Fairbanks Suite 1700
Chicago, Illinois 60611

Are cookies used?
Chartwell Insurance Services does not use cookies.

Does Chartwell collect information from online visitors?
Our web site routinely collects and stores information from online visitors. This information includes: the pages visited on the site; the date and time of the visit; the internet address (URL or IP address) of the referring site; the domain name and IP address from which the access occurred; the version of browser used; the capabilities of the browser; and the search terms used on our search engines. This information is used solely to help us manage the site, improve service and understand usage patterns.

What do you monitor on the site?
Chartwell Insurance Services utilizes software programs to do such things as, monitor network traffic, identify unauthorized access or access to nonpublic information, detect computer viruses and other software that might damage our computers or the network, and monitor and tune the performance of our network. These programs may detect such information as e-mail headers, addresses from network packets, and other information. Information from these activities is used only for the purpose of maintaining the security and performance of our networks and computer systems. Personally identifiable information from these activities is not released to external parties without your consent unless required by law.

Is the information used or shared?
Chartwell Insurance Services does not intentionally disclose any personally identifiable information to third parties. However, Chartwell Insurance Services may disclose your personally identifiable information to third parties as required or permitted by the laws, rules, and regulations of the U.S. federal government or of any state government, which includes, but is not limited to court orders, subpoenas and search warrants.

How do you store information?
All information gathered on our web site is securely stored within the Chartwell Insurance Services controlled database. The database is stored on servers secured behind a firewall; access to the servers is password-protected and is strictly limited. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.
Who is this site designed for?
Chartwell Insurance Services has no desire to collect information from those under the age of 18 and does not knowingly collect any personally identifiable information from children under 13. In an instance where such information was collected it would be purely accidental and unintentional. Chartwell Insurance Services encourages parents to discuss the Internet with their children and monitor personal information that a child may provide via the Internet.

How will I know if this Privacy Policy changes?
If we decide to change our Privacy Policy, we will post a notice of the change to the homepage, this page, so our users are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. Users will need to refer to this Privacy Policy to understand the changes. Information will be used in accordance with the Privacy Policy under which the information was collected.

Terms of Use
CONDITIONS OF USE
BY USING THIS WEBSITE, YOU ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.

DISCLAIMER
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND CHARTWELL INSURANCE SERIVCES DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AIG DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CHARTWELL INSURANCE SERVICES DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT CHARTWELL INSURANCE SERVICES) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. 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; PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.

Linking And Framing.
(I) By linking to this Web site, you represent that you have read and agree to be bound by the TERMS. (ii) Upon linking to this site pursuant to the Terms, you will be granted a non-exclusive, non-transferable, royalty-free license to use the "Chartwell Insurance Services" name solely for providing an underlined, textual link from your Web site to Chartwell Insurance Services.com, and for no other use; (3) You may include a link(s) on your Web site only to the Chartwell Insurance Services com home page, currently located at http://www. Chartwellins.com ("Home Page") provided that you first send to Chartwell Insurance Services via email to info@chartwellins.com: (a) your name or the name of the technical contact responsible for the link(s); (b) the name of your company; (c) the email address and telephone number for you or the technical contact responsible for the link(s); and (d) the Web site address(es) where the link(s) to the Home Page will appear; (4) Without specific, written consent by Chartwell Insurance Services, you specifically may not link to an internal or subsidiary page of this Web site that is located one or several levels down from the Home Page ("deep link"), or bring up or present content of this Web site within another Web site ("frame").

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY Chartwell Insurance Services. Chartwell Insurance Services IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY AIG OF THE WEBSITES OR THE CONTENT THEREOF.
LIMITATION OF LIABILITY

While Chartwell Insurance Services uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Chartwell Insurance Services makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall Chartwell Insurance Services or any party involved in creating, producing, or delivering the website 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 website, even if Chartwell Insurance Servicesor a Chartwell Insurance Services authorized representative has been advised of the possibility of such damages. In no event shall Chartwell Insurance Services total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.
Chartwell Insurance Services 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 website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by Chartwell Insurance Services. Except as otherwise expressly permitted by Chartwell Insurance Services, no materials from this website or any website owned, operated, licensed or controlled by Chartwell Insurance Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Chartwell Insurance Services' written permission. Chartwell Insurance Services neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

JURISDICTIONAL ISSUES
Unless otherwise expressly set forth herein, Chartwell Insurance Services makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.
Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by Chartwell Insurance Services. No security, insurance product or other product or service is offered or will be sold by Chartwell Insurance Services or, if sold by Chartwell Insurance Services, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

OWNERSHIP OF INFORMATION
Any information, other than personal data or information, you transmit to Chartwell Insurance Services via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Chartwell Insurance Services. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Chartwell Insurance Services is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Chartwell Insurance Services via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS
All trademarks, services marks, trade names, logos, and icons are proprietary to Chartwell Insurance Services. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Chartwell Insurance Services. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
Images displayed on this website are either the property of, or used with permission by, Chartwell Insurance Services. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Chartwell Insurance Services. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Modifications/Termination.
a. In General. Except as set forth in Paragraph 9(b), our employees or agents are not authorized to vary the terms of this Agreement. This Agreement may be modified only (1) by obtaining our written consent in a notarized agreement signed by any officer of Chartwell Insurance Services or (2) as set forth below in subpart (b).
b. Periodic Revisions. You agree that we may modify the terms of this Agreement in our sole discretion, without advance notice, and that your right to access this site is conditioned on an ongoing basis with your compliance with the then-current version of these Terms of Use. We will post a notice on this page for thirty (30) days following any revisions or modifications to these Terms of Use. You agree to review this page at least once every thirty (30) days. We assume no responsibility for your failure to actually receive notice. It will be your responsibility to review this page for possible modifications.

Dispute Resolution/Jurisdiction.
This Web site is hosted on servers located in Iowa and is intended to be viewed by residents of the United States. All disputes arising out of or relating to this Agreement or our operation of this site shall be resolved by mediation. The Parties shall mutually agree upon a mediator. In addition, all such disputes shall be governed by and construed in accordance with the laws of the United States and of the State of Illinois as applied to transactions entered into and to be performed wholly within Illinois between Illinois residents. However, you agree that we shall be entitled to obtain preliminary injunctive relief to enforce any of the terms of this Agreement against you pending a final determination in mediation. By accessing and using this site, you are subject to the personal jurisdiction of the United States District Court for the Northern District of Illinois and the state courts of Illinois.

Construction.
If any portion of this Agreement is ruled invalid or otherwise unenforceable, it shall be deemed amended in order to achieve as closely as possible the same effect as originally drafted. Any invalid or unenforceable portion should be construed as narrowly as possible in order to give effect to as much of the Agreement as possible. Therefore, if any portion is invalid or unenforceable, the entire Agreement is not invalid or unenforceable.