Appendix A

Privacy Information for California Residents

Last updatedSeptember 2025

This Appendix discusses
how National Guardian Life Insurance Company (“we,” “us,”or “our”) collects personal
information of California residents. This
Appendix applies solely to individuals who reside in the State of California
(“consumers” or “you”). This Appendix
complies with the California Consumer
Privacy Act of 2018 (“CCPA”) and any terms
defined in the CCPA have the same meaning when used in this Appendix. This Appendix does not apply to
personal information outside the scope of the CCPA, including without
limitation:

·        
Publicly available information, including from
government records, through widely distributed media, or that the consumer made
publicly available without restricting it to a specific audience.

·        
Lawfully obtained, truthful information that is a
matter of public concern.

·        
Personal information collected, processed, sold, or
disclosed pursuant to the Gramm- Leach-BlileyAct, and implementing regulations, or the California Financial Information Privacy Act.

·        
Personal information bearing on a consumer’s credit worthiness, credit standing,
credit capacity, character, generalreputation, personal characteristics, or mode of living as set
forth in the Fair Credit Reporting Act.

·        
Personal health information collected, processed, or disclosed pursuantto the Health Insurance Portability and Accountability Act.

1.      National GuardianLife Insurance Companyas a Service Provider

When we act as a service provider
for our customers, we collect personal information on behalf of our customers
subject to our contractual obligations. When
we act as a service provider, we follow the instructions of our customer on how
to process personal information on our customer’s behalf. The provisions of this Appendixdo not apply to the personalinformation that we process
on behalf of our business customers.

2.      What PersonalInformation We Collect and How We Share it

The below chart
lists the categories of personal information that we may collect and have
collected in the past 12months and how we share such information. We will share personal
information with parties to whom you have directed or authorized us to share
with.

NGL does not collect
or share personal information for targeted marketing purposes. NGL does not
collect or share personal information to infer characteristics about a
consumer.

We only make these business purpose disclosures under
written contracts that describe the purposes, require the recipient to keep the
personal information confidential, prohibit using the disclosed information for
any purpose except performing the contract, and meet the CCPA's other contract
requirements for engaging service providers or contractors.

3.      How We Use PersonalInformation

We may use personalinformation in the following ways:

·        
To provide you with information, products, or services;

·        
To improve our services and products;

·        
To secure and monitor our websites;

·        
For audit or research purposes;

·        
To resolve grievances;

·        
To find or prevent criminalactivity, fraud, material misrepresentation or nondisclosure in connection with an insurance issue;

·        
To respond to requests from law enforcement or other government authorities as required
by law; or

·        
For our own legalobligations and businessneeds.

4.      Sale of Personal
Information

CCPA defines a
“sale” of personal information broadly to include more than exchanges for
monetary purposes. A sale can include personalinformation shared with a third party for “valuable consideration,” or information shared
with a third party (even if they are
performing services on our behalf) if they are permitted to use the information
for their own purposes.

We do not and have not sold any personal information in the previous12 months. We do not sell and
have no knowledge that We have sold the personal information of consumers under
the age of 16.

5.      Retention
Guidelines

NGL may retain personal information: (a) for as long as is reasonably
necessary and proportionate to the purpose for which it was collected, to
complete a transaction with you, or for warranty purposes; (b) used for
security purposes, to prevent fraud, or to fix errors; (c) for internal
purposes given our relationship with you or compatible with the context in
which you provided the information; (e) or otherwise permitted or required by
law. The list is not
exhaustive.

6.      California Residents’ Rights and Choices

The CCPA provides
California residents with specific rights regarding their personal information, describedbelow. Below are your
CCPA rights and how to exercise those rights.

a.       Access to Specific Information and Data Portability Rights (“Rightto Know”)

You have the right to requestthat we disclose certaininformation to you about our collection and use of your personal information over
the past 12 months. You could
request:

·        
The categories of personal information we collected about you;

·        
The categories of sources of the personalinformation we collectedabout you;

·        
Our business or commercial purposefor collecting that personal information;

·        
The categories of third partieswith whom we share that personal information; or

·        
The specific pieces of personal information we collected about you.

b.      Deletion Request Rights (“Right to Deletion”)

You have the right to request that wedelete some or all personalinformation that we have
collected from you and retained, subject to some exceptions. Please see
Retention Guidelines above.  

c.       Exercising Your Rights

To exercise your rights described above, please submit averifiable consumer requestto us by either:

·        
Calling us at 800.988.0826.

·        
Request a form to be completed by writing to us
at:

National Guardian Life Insurance Company Mailing Address: 123 Town Square Place PMB 748

Jersey City, NJ 07310

Only you, or a person or entitythat you authorize to act on
your behalf, may make a verifiable
consumer request related to your personal information. You may also make a verifiable consumer request on behalf of
your minor child. If you are making a
request on behalf of another person,you must provide writtenlegal documentation that youare authorized to act on
behalf of that individual.

You may only make a verifiable consumer request for access ordata portability twice within a

12-month period. The verifiable consumer request must:

·        
Provide sufficient
information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized
representative; and

·        
Describe your request with sufficient
detail that allows us to properlyunderstand, evaluate, and respond to it.

We may not be able to fulfill your request or provide
you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. To verify
your identity, we may request up to three pieces of personal
information about you, and we
reserve the right to take additional steps, as necessary, to verify your
identity if we have reason to believe a request is fraudulent.

d.      Response Timing and Format

We endeavorto respond to a verifiable consumerrequest within 45 days of its receipt. If we
require more time (up to 90 days),
we will inform you of the reason and extension period
in writing.

Any disclosures we provide will
only cover the 12-month period preceding the date we received your verifiable consumer request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily
useable and should allow you to transmit the information from one entity to
another entity without hindrance.

We do not charge
a fee to process or respond to your
verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the requestwarrants a fee, we will tell you why we made that decision and provide you with a cost
estimate before completing your request.

e.       Non-Discrimination

You have the right to not bediscriminated against for exercising any of your CCPA rights. Unless permitted by the CCPA, we
will not:

·        
Deny you goods or services;

·        
Charge you different prices or rates for goods or services, including through granting
discounts or other benefits, or imposing penalties;

·        
Provide you a different level or qualityof goods or services; or

·        
Suggest that you mayreceive a different price or rate for goods or services or a different level or quality of goods or
services.

7.     
Other California Privacy Rights

California's "Shine the Light"
law (Civil Code Section § 1798.83) permitsusers of our Website
that are California residents to request certain informationregarding our disclosure of personal information to third parties for their direct marketing purposes.
To make such a request,please contact us through the information provided above.