Ohio National Financial Services and its affiliated companies thank you for your trust and confidence. Ohio National is committed to providing you, our customer, with competitive insurance and annuity products and services to help you meet your changing needs. We are equally committed to protecting the private and personal information we collect and maintain about you.

Collection of Information
We gather private and nonpublic personal information about you in order to provide you with our insurance products and services. The information we collect starts with the information you provide on applications and other forms, when you request services, and when you file a claim. Also, with your written authorization, we may collect information from:

(1) health care providers,

(2) consumer reporting agencies in compliance with the federal Fair Credit Reporting Act,

(3) your employer, business associates or advisers, and

(4) interviews with persons who have knowledge of your circumstances.

Also, we may search public records, including motor vehicle reports, for relevant information about you.

We seek to collect and use only information that is necessary and appropriate for the needs of our business. We may collect information that relates to your insurance or investment needs and objectives, income, finances, employment, health, habits, and other factors that properly relate to the insurance products or services we are providing.

Maintaining complete and accurate information on our customer’s records is important. If you become aware that we may have any inaccurate information write or call us at Ohio National, Attention: Underwriting Division, P.O. Box 237, Cincinnati, Ohio 45201-0237, 513.794.6100.

Disclosure of Information
Ohio National does not disclose private or nonpublic personal information about our customers or former customers to anyone, except as required or permitted by law. We do not sell customer lists or any information about our customers. We may share information about you with affiliated companies and with your insurance agent and, where applicable, your broker/dealer who is authorized to represent Ohio National. Also, we may share information about you with companies and individuals who perform services on our behalf. Before disclosing information to those who provide services to us, we require them to agree to keep any private or nonpublic personal information about our customers confidential and to use it only for the purposes we have authorized. We may disclose information about you in response to a subpoena or other legal process and to protect against fraud.

Protecting Confidentiality of Customer Records
Customer files or records are made available only to our personnel or representatives who need access to the information in order to perform their assigned duties. We do not disclose information about your health, except when authorized by you or as explained to you in our "Notice of Information Practices" delivered at the time you applied for your policy or contract. In order to protect the confidentiality of nonpublic personal information we have gathered and maintain about our customers, we routinely:

(1) maintain and monitor physical, electronic, and procedural safeguards,

(2) review our policies and procedures,

(3) monitor our computer networks, and

(4) test the strength of our security.

Affiliates
If you applied with us for a variable life insurance policy or variable annuity, this notice covers the following affiliates in addition to those named above: Ohio National Equities, Inc. (a wholesale broker/dealer), The O.N. Equity Sales Company (ONESCO, a retail broker/dealer) and its subsidiaries, including O.N. Investment Management Company and Ohio National Insurance Agency, Inc.

Do You Need to Do Anything?
You do not need to take any action in response to this notice of our Privacy Policies and Practices. Because we do not share your private or nonpublic personal information with nonaffiliated third parties other than as described above, you do not need to opt-out or opt-in. If, however, you want more information concerning our privacy practices, please contact us at: Ohio National Financial Services, Corporate and Marketing Communications, One Financial Way, Cincinnati, Ohio 45242; by telephone at 513.794.6100.