Effective: April 14, 2003

We^* are required by law to protect the privacy of customer health information. We are also required to send
our customers this notice which explains how we may use information and when we can give out or "disclose" that information to others. Customer rights regarding health information are described in this notice.

The terms "information" or "health information" in this notice include any personal information that is created or received by a health care provider or health plan that relates to our customers physical or mental health or condition, the provision of health care, or the payment for such health care.

We have the right to change our privacy practices. If we do, we will provide the revised notice to our customers within 60 days by direct mail or post it on our website www.myuhc.com.

HOW WE USE OR DISCLOSE INFORMATION

We must use and disclose customer health information to provide information:

• To our customers or someone who has the legal right to act for them (a personal representative);
• To the Secretary of the Department of Health and Human Services, if necessary, to make sure our customers privacy is protected; and
• Where required by law.

We have the right to use and disclose health information to pay for health care and operate our business. For example, we may use health information:

• For Payment of premiums due us and to process claims for health care services received.
• For Treatment. We may disclose health information to doctors or hospitals to help them provide medical care to our customers.
• For Health Care Operations. We may use or disclose health information as necessary to operate and manage our business and to help manage customer's health care coverage. For example, we might talk to doctors to suggest a disease management or wellness program that could help improve patient health.
• To Provide Information on Health Related Programs or Products such as alternative medical treatments and programs or about health related products and services.
• To Plan Sponsors. If coverage is through an employer group health plan, we may share summary health information and enrollment and disenrollment information with the plan sponsor. In addition, we may share other health information with the plan sponsor for plan administration if the plan sponsor agrees to special restriction on its use and disclosure of the information.
• For Appointment Reminders. We may use health information to contact our customers for appointment reminders with providers who provide medical care.

We may use or disclose customer's health information for the following purposes under limited circumstances:

• To Persons Involved With Customer Care. We may use or disclose health information to a person involved in patient care, such as a family member, when the customer is incapacitated or in an emergency, or when permitted by law.
• For Public Health Activities such as reporting disease outbreaks.
• For Reporting Victims of Abuse, Neglect or Domestic Violence to government authorities, including a social service or protective service agency.
• For Health Oversight Activities such as governmental audits and fraud and abuse investigations.
• For Judicial or Administrative Proceedings such as in response to a court order, search warrant or subpoena.
• For Law Enforcement Purposes such as providing limited information to locate a missing person.
• To Avoid a Serious Threat to Health or Safety by, for example, disclosing information to public health agencies.
• For Specialized Government Functions such as military and veteran activities, national security and intelligence activities, and the protective services for the President and others.
• For Workers Compensation including disclosures required by state workers compensation laws of job-related injuries.
• For Research Purposes such as research related to the prevention of disease or disability, if the research study meets all privacy law requirements.
• To Provide Information Regarding Decedents. We may disclose information to a coroner or medical examiner to identify a deceased person, determine a cause of death, or as authorized by law. We may also disclose information to funeral directors as necessary to carry out their duties.
• For Organ Procurement Purposes. We may use or disclose information for procurement, banking or transplantation of organs, eyes or tissue.

If none of the above reasons applies, then we must get the customers written authorization to use or disclose the customer's health information. If a use or disclosure of health information is prohibited or materially limited by other applicable law, it is our intent to meet the requirements of the more stringent law. In some states, authorization may also be required for disclosure of patient health information. In many states, authorization may be required in order for us to disclose highly confidential patient health information, as described below. Once authorization to release patient health information is given, we cannot guarantee that the person to whom the information is provided will not disclose the information. Our customers may take back or "revoke" written authorization, except if we have already acted based on prior authorization. To revoke an authorization, customers can contact the phone number listed on the customers ID card.

HIGHLY CONFIDENTIAL INFORMATION

Federal and applicable state laws may require special privacy protections for highly confidential patient information. "Highly confidential information" may include confidential information under Federal law governing alcohol and drug abuse information as well as state laws that often protect the following types of information:

1. HIV/AIDS;
2. Mental health;
3. Genetic tests;
4. Alcohol and drug abuse;
5. Sexually transmitted diseases and reproductive health information; and
6. Child or adult abuse or neglect, including sexual assault.

WHAT ARE OUR CUSTOMERS RIGHTS

The following are our customer's rights with respect to health information.

• The right to ask to restrict uses or disclosures of information for treatment, payment, or health care operations. The right to ask to restrict disclosures to family members or to others who are involved in health care or payment for health care. We may also have policies on dependent access that may authorize certain restrictions. Please note that while we will try to honor these requests and will permit requests consistent with its policies, we are not required to agree to any restriction.
• The right to ask to receive confidential communications of information in a different manner or at a different place (for example, by sending information to a P.O. box instead of a home address).
• The right to see and obtain a copy of health information that may be used to make decisions such as claims and case or medical management records. Our customers also may receive a summary of this health information. Customers must make a written request to inspect and copy their health information. In certain limited circumstances, we may deny requests to inspect and copy health information.
• The right to ask to amend information we maintain about customers if the health information is wrong or incomplete. If we deny the request, customers may have a statement of disagreement added to their health information.
• The right to receive an accounting of disclosures of information made by us during the six years prior to the request. This accounting will not include disclosures of information: (i) made prior to April 14, 2003; (ii) for treatment, payment, and health care operations purposes; (iii) to our customers or pursuant to their authorization; and (iv) to correctional institutions or law enforcement officials; and (v) other disclosures that federal law does not require us to provide an accounting
• The right to a paper copy of this notice. Our customers may ask for a copy of this notice at any time. Even if our customers have agreed to receive this notice electronically, they are still entitled to a paper copy of this notice. A copy of this notice may be obtained at our website, www.myuhc.com.

EXERCISING CUSTOMER RIGHTS

• Contacting the Health Plan. If customers have any questions about this notice or want to exercise any of their rights, please call the phone number on the customers ID card.
• Filing a Complaint. If customers believe their privacy rights have been violated, customers may file a complaint with us at the following address:

United Healthcare
Customer Service - Privacy Unit
PO Box 740815
Atlanta, GA 30374-0815

Customers may also notify the Secretary of the U.S. Department of Health and Human Services of the complaint.We will not take any action against our customers for filing a complaint.

FINANCIAL INFORMATION PRIVACY NOTICE

Effective: April 14, 2003

We (including our affiliates listed at the bottom of this page)^** are committed to maintaining the confidentiality of our customer's personal financial information. For the purposes of this notice, "personal financial information" means information, other than health information, about a customer or an applicant for health care coverage that identifies the individual, is not generally publicly available and is collected from the individual or is obtained in connection with providing health care coverage to the individual.

We collect personal financial information about our customers from the following sources:

• Information we receive from the customers on applications or other forms, such as name, address, age and social security number; and
• Information about customer's transactions with us, our affiliates or others, such as premium payment history.

We do not disclose personal financial information about our customers or former customers to any third party, except as required or permitted by law.

We restrict access to personal financial information about our customers to employees and service providers who are involved in administering health care coverage and providing services to our customers. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard personal financial information.

^*For purposes of this Notice of Privacy Practices, "we" or "us" refers to the following UnitedHealthcare
entities: AmeriChoice of New Jersey, Inc.; AmeriChoice of New York, Inc.; AmeriChoice of Pennsylvania, Inc.; Arizona Physicians IPA, Inc.; Dental Benefit Providers of California, Inc.; Dental Benefit Providers of Illinois, Inc.; Dental Benefit Providers of Maryland, Inc.; Dental Benefit Providers of New Jersey, Inc.; Evercare of Arizona, Inc.; Evercare of Texas, L.L.C.; Spectera, Inc.; Spectera Insurance Company; Spectera Insurance Company, Inc.; Spectera Eyecare of North Carolina, Inc.; Spectera Vision, Inc.; Spectera Vision Services of California, Inc.; Spectera Vision Services of Florida, Inc.; Unimerica Insurance Company; United HealthCare Life Insurance Company of New York; United Behavioral Health; United HealthCareof Alabama, Inc.; United HealthCare of Arizona, Inc.; United HealthCare of Arkansas, Inc.; United HealthCare of Colorado, Inc.; United HealthCare of Florida, Inc.; United HealthCare of Georgia, Inc.; UnitedHealthcare of Illinois, Inc.; United HealthCare of Kentucky, Ltd.; United HealthCare of Louisiana, Inc.; UnitedHealthcare of the Mid-Atlantic, Inc.; United HealthCare of the Midlands, Inc.; United HealthCare of the Midwest, Inc.; United HealthCare of Mississippi, Inc.; UnitedHealthcare of New England, Inc.; UnitedHealthcare of New Jersey, Inc.; UnitedHealthcare of New York, Inc.; UnitedHealthcare of North Carolina, Inc.; United HealthCare of Ohio, Inc.; United HealthCare of Tennessee, Inc.; United HealthCare of Texas, Inc.; United HealthCare of Utah; United HealthCare of Washington, Inc.; UnitedHealthcare of Wisconsin, Inc.; United HealthCare Insurance Company; United HealthCare Insurance Company of Illinois; United HealthCare Insurance Company of New York; United HealthCare Insurance Company of Ohio; and U.S. Behavioral Health Plan, California.

^**For purposes of this Financial Information Privacy Notice, "we" or "us" refers to the entities listed on the
first page of the Notice of Privacy Practices, plus the following UnitedHealthcare affiliates: ACN Group, Inc., ACN Group of California, Inc., ACN Group IPA of New York, Inc., American Chiropractic Network, Inc., AmeriChoice Health Services, Inc., Behavioral Health Administrators, Coordinated Vision Care, Inc., Coordinated Vision Care of New York, IPA, Inc., DBP-KAI, Inc., Dental Benefit Providers, Inc., Dental Insurance Company of America, EverCare of New York, IPA, Inc., Lifemark Corporation, Lifemark New York, Inc., Managed Physical Network, Inc., Managed Physical Network IPA of New York, Inc., National Benefit Resources, Inc., Optum Group, LLC, Stop-Loss Life Reinsurance Company, Uniprise, Inc., United Behavioral Health of New York, IPA, Inc., United HealthCare Services, Inc., United HealthCare Service LLC.