The following is our privacy policy regarding your visits to and use of the HealthAmerica web site, located at www.hacu.coop, and our HACU Online Banking, our home banking service (Health e-Banking). By accessing any page of this site, you agree to be bound by the terms and conditions below. If you do not agree to all of the terms and conditions below, please do not access this site or any of its pages. This policy was most recently updated on February 7, 2000.

We understand your concerns about sending confidential information by the use of your personal computer and are committed to safeguarding your information. We collect and protect your information as follows:

1. Information That You May Supply to Us During Your Visit to the Site. No personal information is collected if you browse our web site. We do not collect any information from use of any of the planning tools available on our site, such as the calculator. We do gather and analyze data regarding the use of our web site, including domain name, pages visited, length of user session, etc., to determine the usefulness of our site, to help us stay abreast of technical upgrades that can make our site more accessible to visitors, and to record the date and time of your visit to our site.

2. Cookies. Internet "cookies" are messages that a web server gives to your web browser in connection with your visit to a web site. The message contains information, in the form of lines of text, that is then stored on your hard drive. When you click on a hyperlink, the site transmits a cookie to your browser; when you return to the page or site that transmitted the cookie, the information is transmitted back to the web site's server. Cookies are stored on your hard drive and are not stored, in any form by the web server. Cookies cannot transmit computer viruses. You can set up your web browser to inform you when cookies are being sent and/or to prevent cookies from being sent.

3. Use of Cookies and Web Server Log Files. We do not use in anyway cookies to store confidential or sensitive information on your computer, or to capture your email address, obtain data from your hard drive, or gain confidential or sensitive information about you. We use standard web server log files to help us count visitors and to evaluate our site's technical capacity.

4. Types of Information That May Be Collected. Through the use of web server log files, any or all of the following information may be collected during your visits to our site:

Additionally, cookies may be used to save screen preferences, the pages of our web site viewed by the visitor, and the advertisements viewed or clicked by the visitor. When the visitor revisits our web site, cookies can be used to recognize the visitor and customize the visitor's experience accordingly.

When a visitor performs a search on our search engine, we do not record any information identifying the visitor or linking the visitor to the search performed. As necessary to provide service, we do record limited information for every search request and use that information only to solve technical problems with the service and to calculate overall usage statistics.

We do not combine information collected through cookies or web server log files with other personal information to derive any information about you.

5. Additional Information That You Choose to Send to Us.

Electronic Mail - If, in interacting with our site, you actively transmit to us by electronic mail, information such as your email address, your account number, or information concerning your account, to enable you or us to perform certain services (for example, to review your accounts or to correspond with us), we will retain the content of the form or email, the email address and our response. This allows us to keep a record of our contact and provide you with the product, service or information that you may have requested.

Children - Be sure to ask your parents for permission before you send any information about yourself to us or anyone else over the Internet.

6. Use of Information. Any information that we collect through visitors' use of our web site will be used for editorial and feedback purposes, for marketing and promotional purposes, for a statistical analysis of visitors' behavior, for product development, for content improvement, to inform advertisers as to how many visitors have seen or clicked on their advertisements, and to customize content and layout of our site. Data on visitors' home servers is aggregated for internal review and then discarded. Any information that you actively supply to us such as names, postal and email addresses, and phone numbers may be added to our databases and used for future calls and mailings regarding site updates, and new products and services.

7. HealthAmerica Online Banking (Health e-Banking). All information is transmitted with state-of-the-art encryption technologies that secure data sent and received through your modem. Like ATM access, access through HealthAmerica Online Banking is protected with a personal identification number (PIN) that we give only to you. Please safeguard your PIN so that only you can access your accounts or authorize payments, and you can be confident that your transactions are secure.

8. Amendments. We reserve the right to change or update this privacy policy, or any other HealthAmerica policy or practice, at any time. Any changes or updates will be effective immediately upon posting to the site unless an effective date is provided. Questions regarding our web site privacy policy can be sent to us by using our contact us link. Or you can telephone us during 8:30 a.m. to 4:30 p.m., Monday through Friday @ 904.296.1292