Unum's notice of Privacy Practices
For Long Term Care, Cancer Assistance, certain medical coverages, and other health plans pursuant to the Health Insurance Portability and Accountability Act ("HIPAA"), this notice describes how medical information about you may be used and disclosed, and how you can get access to this information. Please review this information carefully.

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Unum Understands the Importance of Your Privacy
This notice describes your rights concerning "protected health information" (PHI) about you. PHI is information that may identify you and that relates to (a) your past, present, or future physical or mental health or condition, or (b) the past, present or future payment for your health care.

Unum is committed to preserving the confidentiality of PHI about its customers and in accordance with the requirements of the law, we pledge to:

• maintain the privacy of PHI about you
• provide you with a notice of our legal duties and privacy practices with respect to PHI
• abide by the terms of our current notice of privacy practices

It may be necessary to change the terms of this notice in the future. We reserve the right to make changes and to make the new notice effective for all PHI that we maintain about you, including PHI we created or maintained in the past. If we make material changes to our privacy practices, copies of revised notices will be mailed to all policyholders then covered by a health plan.

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Uses and Disclosures of PHI for Treatment, Payment or Operations

• For Treatment — Unum is not a health care provider and does not engage in "treatment" of individuals as a health care provider (a doctor, for example) would. Accordingly, although we are permitted to use or disclose PHI about you for treatment purposes, we do not do so.
• For Payment — We may use and disclose PHI about you in order to obtain premiums or to determine or fulfill our responsibility to provide you with insurance coverage or benefits under your policy. For example, we may use or disclose PHI about you in order to determine whether you are eligible for coverage or to decide your claim for benefits under your policy.
• For Health Care Operations — We may use and disclose PHI about you in order to operate our business. For example, we use PHI about you in order to underwrite your insurance policy.

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Uses and Disclosures in Special Circumstances
Unum is committed to preserving the confidentiality of PHI about its customers and in accordance with the requirements of the law. In the event applicable law, other than HIPAA, prohibits or materially limits our uses and disclosures of PHI (as described below), we will restrict our uses or disclosure of PHI in accordance with the more stringent standard.

Public Health Activities — We may disclose PHI about you in order to notify public health authorities of public health risks, such as potential exposure to a communicable disease, or to report child abuse or neglect.

Health Oversight Activities — We may disclose PHI about you to a health oversight agency for oversight activities, including for investigations relating to possible insurance fraud.

Judicial and Administrative Proceedings — We may disclose PHI in the course of a judicial or administrative proceeding, such as in response to a subpoena, discovery request or other lawful process.

Law Enforcement — We may disclose PHI to law enforcement, for purposes such as reporting a crime on our premises or in an emergency. We may also disclose to law enforcement or a correctional facility PHI relating to inmates as necessary for health, safety and security.

Prevention of Serious Harm — We may use or disclose PHI about you if we believe it is necessary to prevent or lessen serious harm (abuse, neglect, or domestic violence) to you or to other potential victims.

Serious Threat to Health/Safety — We may use or disclose PHI when it is necessary to prevent or lessen a serious and imminent threat to the health or safety of a person or the public.

Specialized Government Functions — We may use or disclose PHI about you for certain government functions, including but not limited to military and veterans' activities and national security and intelligence activities.

Workers' Compensation — We may disclose PHI about you in order to comply with workers' compensation laws.

Research Organizations — We may disclose PHI to research organizations if the organization has satisfied certain conditions about protecting the privacy of PHI.

Plan Sponsors — We may disclose PHI to the plan sponsor of a group health plan for plan administrative functions if the plan documents contain provisions concerning restrictions on how the plan sponsor may use or further disclose PHI.

Related Benefits and Services — We may contact you to inform you of benefits or services related to your policy that may be of interest to you.

Decedents — We may disclose PHI to a coroner, medical examiner, or funeral director to permit them to carry out their legal duties.

Donation/Transplantation — We may use or disclose PHI for the purpose of facilitating organ, eye or tissue donation and transplantation.

Business Associates — We may disclose PHI to our business associates, such as our third-party administrators, accountants, or attorneys if those business associates have signed a written agreement concerning appropriate uses and disclosures of PHI.

Involvement in Individual's Care — We may disclose PHI about you to a family member, close personal friend or other person identified by you if directly relevant to that person's involvement with your care or payment related to your health care.

Notification of Location/Condition — We may use or disclose PHI to give notice or assist in giving notice of your location, general condition or death to a family member, personal representative or another person responsible for your care.

Disclosures Required by Law — We will use and disclose PHI about you when we are required to do so by federal, state, or local law.

Uses and Disclosures of PHI Made Only With Your Written Authorization — Other uses and disclosure of PHI about you will be made only with your written authorization, unless otherwise permitted or required by law as described in this notice. You may revoke your written authorization, at any time, in writing, except to the extent we have taken action in reliance on that written authorization before you have revoked it. You may not revoke your authorization to the extent that other law provides us with the right to contest a claim under the policy or the policy itself, if the authorization was obtained as a condition of obtaining insurance coverage.

Your Rights — If you would like to have a paper copy of this Notice, send a written request to:

Attn: Privacy Officer
Unum Group
2211 Congress Street, C467
Portland, ME 04122

Inspection and Copying — You have the right to access your PHI information. Requests for access to your PHI must be in writing, should state that you want access to your PHI and must be signed by you or your representative (e.g., requests for medical records provided to us directly from your health care provider). You have the right, upon written notice, to inspect and copy certain PHI that may be used to make decisions about your insurance coverage, including medical records and billing records, but not including psychotherapy notes. We may deny your request to inspect and/or copy in certain limited circumstances; however, you may request a review of our denial.

Amendment — You may ask us to amend PHI about you (as long as the information is kept by or for us) if you believe it is incorrect or incomplete. Such requests must be in writing to the Privacy Officer and must include a reason for the request. If your request and a reason supporting the request are not submitted in writing, we may deny your request.

Alternative Contact Information — You have the right to receive communications of PHI about you from us in a certain manner or at a certain location, so long as the request is reasonable under the circumstances. For example, you may prefer to have mail from us sent to your work address rather than to your home. Submit requests for an alternative method of contact in writing to:

Attn: Privacy Officer
Unum Group
2211 Congress Street, C467
Portland, ME 04122

Requesting Restrictions — You have the right to request restrictions on our use or disclosure of PHI about you. We are not required to agree to your request. If we do agree, however, we are bound by our agreement except when otherwise required by law, in emergencies, or when the information is necessary for your treatment. Your request must clearly and concisely describe (a) the information you wish restricted; (b) whether you are requesting to limit our use, disclosure or both; and (c) to whom you want the limits to apply.

Accounting — You have the right to request an "accounting of disclosures." An "accounting of disclosures" is a list of certain disclosures we have made of PHI about you other than disclosures you authorized and other than disclosures made for treatment, payment or operations. The request must be in writing. The first request for an accounting that you make within a 12-month period is free; however, we may charge you for additional requests within the same 12-month period. We will notify you of the costs of the additional requests, and you may withdraw your request before incurring any costs.

Complaints. If you believe your privacy rights have been violated, you may file a complaint with us or with the Secretary of Health and Human Services. All complaints must be submitted in writing. We will not penalize you for filing such a complaint. In order to exercise any of your rights as set forth in this Notice, please write to:

Attn: Privacy Officer
Unum Group
2211 Congress Street, M385
Portland, ME 04122

For further information about matters covered by this notice, please contact the Privacy Office at the above address or call (800) 227-4165 if you are a Long Term Care customer, or (800) 635-5597 if you are a Cancer Assistance customer.

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Why did Unum send me a Business Associate Addendum to my contract?
The Health Insurance Portability and Accountability Act requires all covered entities (such as Unum's insuring subsidiaries) to obtain written agreements from all business associates that relate to the business associate's uses and disclosures of protected health information.

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What is the Health Insurance Portability and Accountability Act?
The Health Insurance Portability and Accountability Act (HIPAA) is a 1996 federal law, the primary purpose of which is to help consumers maintain their insurance coverage. HIPAA also includes a section aimed at improving the efficiency and effectiveness of the health care system — called "administrative simplification." The Department of Health and Human Services recently finalized certain regulations for health plans, health care providers and health care clearinghouses to comply with the administrative simplification requirements of HIPAA. One of these regulations relates to the privacy of individually identifiable health information of individuals. Specifically, the regulation sets standards for uses and disclosures of protected health information of individuals. Health insurance issuers and certain insurance plans are considered "health plans" and must comply with the administrative simplification requirements of HIPAA.

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What is a business associate?
A business associate is a person, including an entity, which performs certain functions or activities regulated by HIPAA "on behalf of" a health plan, health care provider, or health care clearinghouse.

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When is the Business Associate Addendum effective?
The Business Associate Addendum is effective March 1, 2003.

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Am I required to sign the Business Associate Addendum and return it to Unum?
No. You should carefully review and understand the obligations under the Business Associate Addendum, but you are not required to sign it or to return it to Unum.

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What is protected health information?
Protected health information is personally identifiable information about: (a) an individual's past, present or future physical or mental health or condition, or (b) the provision of health care to an individual, or (c) the past, present or future payment for the provision of health care to an individual.

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