<html> <head> <title>Rule 20:06:45:0A Sample clauses.</title> <META NAME="Keywords" Content="Administrative Rules 20:06:45:0A"> <META NAME="Description" Content="Administrative Rules 20:06:45:0A Sample clauses."> <meta http-equiv=Content-Type content="text/html; charset=windows-1252"> <meta name=Generator content="Microsoft Word 14 (filtered)"> <title>DEPARTMENT OF REVENUE AND REGULATION</title> <style> <!-- /* Font Definitions */ @font-face {font-family:Times; panose-1:2 2 6 3 5 4 5 2 3 4;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {margin:0in; margin-bottom:.0001pt; font-size:10.0pt; font-family:"Times","serif";} p.MsoFooter, li.MsoFooter, div.MsoFooter {margin:0in; margin-bottom:.0001pt; font-size:12.0pt; font-family:"Times New Roman","serif";} @page WordSection1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in;} div.WordSection1 {page:WordSection1;} /* List Definitions */ ol {margin-bottom:0in;} ul {margin-bottom:0in;} --> </style> </head> <body lang=EN-US> <div class=WordSection1> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>DEPARTMENT OF LABOR AND REGULATION</span></font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>DIVISION OF INSURANCE</span></font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>PRIVACY OF CONSUMER FINANCIAL INFORMATION</span></font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>SAMPLE CLAUSES</span></font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Chapter 20:06:45</span></font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>APPENDIX A</span></font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter align=center style='text-align:center'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>See: &#167;&#167;&nbsp;20:06:45:02 and 20:06:45:06</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><b><span style='font-weight:bold'>Source:</span></b> 28 SDR 15, effective July 1, 200 1.</font></p> <font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-family: "Times New Roman","serif"'><br clear=all style='page-break-before:always'> </span></font> <p class=MsoFooter align=center style='text-align:center'><b><font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-weight:bold'>APPENDIX A - SAMPLE CLAUSES</span></font></b></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Licensees, including a group of financial holding company affiliates that use a common privacy notice, may use the following sample clauses, if the clause is accurate for each institution that uses the notice. (Note that disclosure of certain information, such as assets, income, and information from a consumer reporting agency, may give rise to obligations under the federal Fair Credit Reporting Act, such as a requirement to permit a consumer to opt out of disclosures to affiliates or designation as a consumer reporting agency if disclosures are made to nonaffiliated third parties.)</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><b><font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-weight:bold'>A-1 Categories of information a licensee collects (all institutions).</span></font></b></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>A licensee may use this clause, as applicable, to meet the requirement of subdivision 20:06:45:06(1)(A) to describe the categories of nonpublic personal information the licensee collects.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-1:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We collect nonpublic personal information about you from the following sources:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:.25in;text-align:justify;text-indent: -.25in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family: Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information we receive from you on applications or other forms;</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:.25in;text-align:justify;text-indent: -.25in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family: Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information about your transactions with us, our affiliates, or others; and</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:.25in;text-align:justify;text-indent: -.25in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family: Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information we receive from a consumer reporting agency.</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><b><font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-weight:bold'>A-2 Categories of information a licensee discloses (institutions that disclose outside of the exceptions).</span></font></b></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>A licensee may use one of these clauses, as applicable, to meet the requirement of subdivision 20:06:45:06(1)(B) to describe the categories of nonpublic personal information the licensee discloses. The licensee may use these clauses if it discloses nonpublic personal information other than as permitted by the exceptions in &#167;&#167;&nbsp;20:06:45:13, 20:06:45:14, and 20:06:45:15.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-2, Alternative 1:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We may disclose the following kinds of nonpublic personal information about you:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information we receive from you on applications or other forms, such as [provide illustrative examples, such as &quot;your name, address, social security number, assets, income, and beneficiaries&quot;];</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information about your transactions with us, our affiliates, or others, such as [provide illustrative examples, such as &quot;your policy coverage, premiums, and payment history&quot;]; and</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information we receive from a consumer reporting agency, such as [provide illustrative examples, such as &quot;your creditworthiness and credit history&quot;].</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-2, Alternative 2:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We may disclose all of the information that we collect, as described [describe location in the notice, such as &quot;above&quot; or &quot;below&quot;].</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><b><font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-weight:bold'>A-3 Categories of information a licensee discloses and parties to whom the licensee discloses (institutions that do not disclose outside of the exceptions).</span></font></b></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>A licensee may use this clause, as applicable, to meet the requirements of subdivisions 20:06:45:06(1)(B), (C), and (D) to describe the categories of nonpublic personal information about customers and former customers that the licensee discloses and the categories of affiliates and nonaffiliated third parties to whom the licensee discloses. A licensee may use this clause if the licensee does not disclose nonpublic personal information to any party, other than as permitted by the exceptions in &#167;&#167;&nbsp;20:06:45:14 and 20:06:45:15.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-3:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><b><font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-weight:bold'>A-4 Categories of parties to whom a licensee discloses (institutions that disclose outside of the exceptions).</span></font></b></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>A licensee may use this clause, as applicable, to meet the requirement of subdivision 20:06:45:06(1)(C) to describe the categories of affiliates and nonaffiliated third parties to whom the licensee discloses nonpublic personal information. This clause may be used if the licensee discloses nonpublic personal information other than as permitted by the exceptions in &#167;&#167;&nbsp;20:06:45:13, 20:06:45:14, and 20:06:45:15, as well as when permitted by the exceptions in &#167;&#167;&nbsp;20:06:45:14 and 20:06:45:15.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-4:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We may disclose nonpublic personal information about you to the following types of third parties:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Financial service providers, such as [provide illustrative examples, such as &quot;life insurers, automobile insurers, mortgage bankers, securities broker-dealers, and insurance producers&quot;];</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Non-financial companies, such as [provide illustrative examples, such as &quot;retailers, direct marketers, airlines, and publishers&quot;]; and</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Others, such as [provide illustrative examples, such as &quot;non-profit organizations&quot;].</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><b><font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-weight:bold'>A-5 Service provider/joint marketing exception.</span></font></b></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>A licensee may use one of these clauses, as applicable, to meet the requirements of subdivision 20:06:45:06(1)(E) related to the exception for service providers and joint marketers in &#167;&nbsp;20:06:45:13. If a licensee discloses nonpublic personal information under this exception, the licensee shall describe the categories of nonpublic personal information the licensee discloses and the categories of third parties with which the licensee has contracted.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-5, Alternative 1:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information we receive from you on applications or other forms, such as [provide illustrative examples, such as &quot;your name, address, social security number, assets, income, and beneficiaries&quot;];</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information about your transactions with us, our affiliates, or others, such as [provide illustrative examples, such as &quot;your policy coverage, premium, and payment history&quot;]; and</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='margin-left:0in;text-align:justify;text-indent:0in'><font size=3 face=Symbol><span style='font-size:12.0pt;font-family:Symbol'>·<font size=1 face="Times New Roman"><span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></font>Information we receive from a consumer reporting agency, such as [provide illustrative examples, such as &quot;your creditworthiness and credit history&quot;].</p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-5, Alternative 2</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We may disclose all of the information we collect, as described [describe location in the notice, such as &quot;above&quot; or &quot;below] to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><b><font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-weight:bold'>A-6 Explanation of opt out right (institutions that disclose outside of the exceptions).</span></font></b></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>A licensee may use this clause, as applicable, to meet the requirement of subdivision 20:06:45:06(1)(F) to provide an explanation of the consumer's right to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method(s) by which the consumer may exercise that right. The licensee may use this clause if the licensee discloses nonpublic personal information other than as permitted by the exceptions in &#167;&#167;&nbsp;20:06:45:13, 20:06:45:14, and 20:06:45:15.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-6:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may [describe a reasonable means of opting out, such as &quot;call the following toll-free number: (insert number)&quot;].</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><b><font size=3 face="Times New Roman"><span style='font-size:12.0pt;font-weight:bold'>A-7 Confidentiality and security (all institutions).</span></font></b></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>A licensee may use this clause, as applicable, to meet the requirement of subdivision 20:06:45:06(1)(H) to describe its policies and practices with respect to protecting the confidentiality and security of nonpublic personal information.</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>Sample Clause A-7:</span></font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman">&nbsp;</font></p> <p class=MsoFooter style='text-align:justify'><font size=3 face="Times New Roman"><span style='font-size:12.0pt'>We restrict access to nonpublic personal information about you to [provide an appropriate description, such as &quot;those employees who need to know that information to provide products or services to you&quot;]. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.</span></font></p> <font size=2 face=Times><span style='font-size:10.0pt;font-family:"Times","serif"'><br clear=all style='page-break-before:always'> </span></font> <p class=MsoNormal><font size=2 face=Times><span style='font-size:10.0pt'>&nbsp;</span></font></p> </div> </body> </html>