As of February 4, 2003

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 Kohl’s and Walker Insurance Agency, Incorporated,
Dba: Paul Muench Company, Dba: Walker Insurance Services Enterprise.

     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.

Categories of information collected:

We collect personal information about you from:

• Applications or other forms you complete;
• Your business dealings with us and other companies; and
• Consumer reporting agencies.

Categories of information disclosed:

We may disclose the following personal information about you:

• Information from your application 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 from consumer reporting agencies, such as your credit history.

To whom information is disclosed:

    We do not disclose any personal information about you to anyone unless allowed by law.  We do not share your
financial information with any other businesses to market products or services to you.  However, when your current
policy comes up for renewal, we may share your information with other insurance companies in order to obtain
competing quotes or to provide you with better coverages or prices.  If you wish to prevent that from happening,
you may “opt out,” That term is explained below.

Explanation of opt out right:

    If you do not want us to attempt to obtain better coverage or better prices from a different insurance company when
your current policy comes up for renewal, you may tell us now.  By “opting out,” you will instruct us not to share or
disclose any personal information with other insurance companies for the purpose of obtaining renewal quotes. 
If you wish to opt out, complete the enclosed form and return it to us in a self-addressed, postage paid envelope. 
We may share information about you if we do not hear from you within 30 days.  However, you may opt-out at any time. 
Just write to us.  Even if you opt-out, we may still disclose information as allowed by law.

Confidentiality and security:

    We protect your nonpublic personal information.  The only employees who have access to that information are those
who must have it to provide products or services to you. 

Access to and Correction of Your Information.  You may write to us if you have any questions about the information
that we may have in our records about you.  If you wish, you may inspect this information in person or receive a copy
at a reasonable charge by sending us a written request.  You can notify us in writing if you believe any information
should be corrected, amended, or deleted and we will review your request.  We will either make the requested change
or explain why we did not do so.  If we do not make the requested change, you may submit a short written statement
identifying the disputed information, which will be included in all future disclosures of your information. 

 
You may send your written request to us at Kohls and Walker Insurance Agency, 1920 E. 17^th Street, Suite 130,
Santa Ana, California 92705.  All written requests must include your name, address, telephone number, policy number,
and a photocopy of a picture ID for identification purposes.