Pursuant to Federal and State laws, financial institutions are required to issue you an annual privacy notice describing their privacy policies and practices. Such laws also allow financial institutions to issue at their discretion joint notices. To minimize the quantity of notices you will be receiving, the following financial institutions all of whom are separate, independent entities that are not affiliates of each other have decided to provide you with a joint privacy notice:

• The Royal Insurance Agency, Inc./Royal State Benefits Corporation
• Mutual Benefit Association of Hawaii
• Royal State National Insurance Co., Ltd.
• Voluntary Employees Benefit Association of Hawaii
• Kokua Insurance Agency

Each one of above entities want to assure you of their respective commitment to protect the privacy of your personal financial or health information that is required by law.

Privacy Policies and Practices

Information that is collected:

• The above entities collect nonpublic personal information about you from the following sources:
• Information that is received from you on each respective entitys applications or other forms;
• Information about your transactions with each respective entity, their respective affiliates or others;
• Information each respective entity receives from a consumer reporting agency and other institutions or entities.

Information that may be disclosed

Collected nonpublic personal information may be disclosed to the respective entitys affiliates and nonaffiliated service providers when necessary to carry out normal business activities and as permitted by law. These business activities that are legally permitted may include:

• Collecting and paying of insurance premiums and auditing functions thereof;
• Paying of supplemental benefits and auditing functions thereof;
• Paying physicians, hospitals, and others who provide you and others covered by your insurance policies health care services, paying reimbursements for cost of services to clients, paying supplemental plan
• benefits to clients, and auditing functions thereof;
• Conducting quality assurance activities or outcomes assessments;
• Reviewing the competence or qualification of health care professionals;
• Performing care management, education, risk assessment, and health promotion and outreach activities;
• Performing accreditation, licensing or credentialing activities;
• Analyzing health plan claims or health care records data;
• Evaluating provider clinical performance;
• Carrying out utilization management;
• Conducting or arranging auditing services in accordance with statute, rule or accreditation requirements;
• Performing marketing activities;
• Creating non-identifiable information;
• Complying with federal and state laws.

Practices regarding information confidentiality and security

Each respective entity restricts access to nonpublic personal information about you to those employees who need to know that information in order to provide products, marketing or services to you. Each respective entity maintains physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal information from unauthorized disclosure.

Policy regarding dispute resolution

Any controversy or claim arising out of or relating to this Privacy Notice, or breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Federal and State laws require that this Privacy Notice be provided to you each year unless your relationship with the respective entity has terminated.

Should you have questions regarding this Privacy Notice please contact us at 1-800-890-9022.

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