Because maintaining your trust is a fundamental part of our business, we protect your personal information through a combination of security mechanisms:

We use non-published URLs and logins for certain limited-audience sites, and passwords and/or Personal Identification Numbers (PINs) for certain sites where authentication of online users is essential;
We use secure servers, firewalls and encryption technology to protect electronic transmissions and help prevent unauthorized users from accessing First Health servers, and notify you when such protections are not in place;
We require any organization that provides support services to First Health to maintain the confidentiality of your personal information, and reserve the right to audit them for compliance. Hospitals, doctors and other health care providers, First Health clients, business partners and vendors and other third parties who choose to submit confidential information through this Web site remain responsible for obtaining any necessary legal consent to transmit the information to First Health through this Web site and by traditional communication methods; and
We provide training to our employees in the proper handling of personal information, and limit access to employees who have a legitimate need-to-know.
Please note that First Health does not guarantee the confidentiality of any communication or material sent to/from First Health through this site. First Health undertakes to comply with all health information privacy laws that apply to us.

Consistent with our respect for you and your privacy, we will not use or share your personal information for purposes other than treatment, payment or health care operations (including, but not limited to, quality assessment, fraud detection, regulatory and mandatory legal activities), or for purposes about which you are notified. First Health will also use your personal information to:

Customize the content of our Web site for individual visitors, upon the individual's request;
Inform individual visitors about their own personal information (or information of others, such as family members or patients they are authorized to view), upon the visitor's request;
Improve the services made available on the Web site;
Identify visitors to respond to their requests (or in case they forget or misplace their PIN); and
Provide health benefits services and related quality assessment, fraud detection, regulatory and mandatory legal activities, as well as to contact you periodically about our available services. If you do not wish this periodic contact, please call or write to First Health about your wishes; your decision will not affect your eligibility or health plan coverage.
First Health does not sell, lease or license your personal information to other companies unless you give your permission. First Health may, in its sole discretion, use what is known as "cookie" technology. A "cookie" is a data element sent to your browser by a Web site when you link to that Web site. By assigning a unique data element to each visitor, the Web site is then able to recognize repeat users and track usage patterns to better serve visitors when they return to that Web site and to improve the performance and content of our Site. The cookie does not extract personal information, and most browsers provide a simple procedure that enables users to control whether they want to receive cookies or notifies them when a Web site is about to deposit a cookie file. First Health may collect aggregate, anonymous information to help diagnose problems with our server, to measure the use of our Web site content, to administer our Web site or for future commercial value.

First Health strives to protect the control of this Site, within the constraints of current Internet technology. However, the e-mail facilities at this Site do not provide a means for completely secure and private communications. Like most, if not all, non-encrypted Internet e-mail communications, your e-mail may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to First Health. For that reason, to protect your privacy, please do not use e-mail to communicate information to First Health that you consider to be confidential. If you wish, you many contact First Health instead via telephone at the numbers provided at various locations on this Site or, if applicable, at the First Health toll free number provided by your employer or insurer. You agree that any comments, suggestions or other information sent to First Health by way of this Site is provided without restriction or obligation on First Health, and First Health will be free to use such information on an unrestricted basis, except as described above with respect to "Personal Information."

You also agree to use this Site and submit information at your own risk, and that First Health has no liability with respect to any unauthorized access by third parties, including, but not limited to, hackers. You are responsible for whatever material you submit, and you, not First Health, have full responsibility for any submitted message, including its legality, reliability, appropriateness, originality, and copyright. If First Health issues you a User-ID, login, password, Personal Identification Number (PIN) or other form of user identification feature to access a First Health Web site, you are expressly liable for any use by anyone using your ID, whether or not you authorized the use; you must guard it carefully. You agree to notify First Health of any unauthorized use of your password. Remember, logging off may prevent another person from altering your user file or submitting information as if they were you, but logging off may not prevent another from seeing your previous information. To ensure privacy, please be sure to close your browser completely when finished with this Web site.

If our privacy policy changes with respect to the information we collect through our Web site or our use of information you volunteer to us, we will post the changes to our Web site. First Health includes First Health Group Corp. and its agents, affiliates and subsidiaries.

Use of this site is also subject to additional Terms and Conditions. Please read carefully before using.

Disclaimers & Restrictions

First Health uses reasonable efforts to include accurate, complete and current information on this Site. However, First Health does not guaranty any use of the content in this site in terms of its correctness, accuracy, reliability, or otherwise, and First Health undertakes no obligation to update the content in this site.

CONTENT ON THIS SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FIRST HEALTH DOES NOT REPRESENT OR WARRANT THAT: 1) ANY FUNCTIONS AVAILABLE ON OR THROUGH THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE; 2) ANY DEFECTS WILL BE CORRECTED; OR 3) THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

NEITHER FIRST HEALTH NOR ANY PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE WILL BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO ANY ACCESS TO, USE OF OR INABILITY TO USE THIS SITE, OR ANY OTHER WEB SITE LINKED TO THIS SITE OR ANY ERRORS OR OMISSIONS IN THE CONTENT HEREOF OR THEREOF, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF FIRST HEALTH IS EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES.

Some U.S. states and foreign countries provide rights in addition to those above or do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be laws or regulations that supersede the above. Any clause of these Terms and Conditions declared invalid by the appropriate authority shall be deemed severable and shall not affect the validity or enforceability of the remainder of these Terms and Conditions.

Certain health benefit services include the provision of general health information, care support, and educational materials (collectively, the "health information") by or through First Health, via this Web site and other methods of communication. It is not First Health's intent to recommend or prescribe specific treatment, and as always, treatment decisions remain between patients and their physicians. Patients should never disregard professional medical advice, or not seek such advice, because of information received from or through First Health. Certain treatments described in the health information may be excluded from certain benefit plans or insurance policies; patients remain responsible for carefully checking exclusions. The health information is provided by sources First Health believes to be reliable. However, should patients choose to use this information, they should discuss their decisions with their doctors. First Health is not responsible for the content of the health information or for updating the information, and cannot guarantee accuracy or appropriateness for a patient's particular situation.

Treating providers are independent contracts and are neither employees nor agents of First Health.

CAUTION: ANY ATTEMPT BY ANY PERSON TO DELIBERATELY DAMAGE THIS WEB SITE OR UNDERMINE ITS OPERATION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND, SHOULD SUCH AN ATTEMPT BE MADE, FIRST HEALTH RESERVES THE RIGHT TO SEEK DAMAGES FROM SUCH PERSON TO THE FULL EXTENT PERMITTED BY LAW.

You agree not to use the Site for any of the following activities: (1) sending junk mail or chain letters, spamming, or any use of distribution lists to any person who has not given specific permission to be included; (2) posting, e-mailing, uploading, or otherwise transmitting any unlawful, harmful, harassing, defamatory, libelous, abusive, threatening, vulgar, sexually explicit, obscene, hateful, racially, ethnically or otherwise objectionable, material of any kind, or any material that is invasive of another's privacy or exploits children under 18 years of age; (3) posting, e-mailing, or otherwise transmitting any content that infringes any patent, copyright, trademark, trade secret, or other proprietary rights of First Health or any third party, or that contains any software viruses, Trojan horses and/or other code, files or programs intended to destroy, disrupt or otherwise impair a computer's functionality or the operation of the Site; (4) impersonating any person or entity, including, but not limited to, a First Health official or representative, or falsely stating or otherwise misrepresenting your relationship with First Health; (5) interfering with or disrupting networks connected to the Site or violating any regulations, policies, and procedures of networks connected to the service; (6) using the Site for any illegal purpose, or to gather personally identifiable information without First Health's and/or other necessary or appropriate prior consent; or (7) interfering with another User's enjoyment of the Site.

You are prohibited from violating or attempting to violate the security of the Site, including, without limitation: (i) accessing data not intended from you or logging into a server or account which you are not authorized to access; (ii) attempting to probe, scan, spider or test the vulnerability of a system or network, or to breach security or authentication measures without proper authorization; (iii) attempting to interfere with First Health's services to any User, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, "flooding," "mailbombing" or "crashing"; (iv) sending unsolicited e-mail, including promotions and/or advertising or products or services; or (v) forging any TCP/IP packet header or any part of the header information in an e-mail or posting. Violations of system or network security my result in civil liability. First Health will investigate occurrences, which may involve such violations, and may involve, and cooperate with, law enforcement authorities in prosecuting Users, and any other persons or entities, who are involved in such violations.

You agree to indemnify and hold First Health and its subsidiaries, affiliates, officers, agents, co-branders or other partners, employees and other representatives, harmless from and against any claims, losses, costs, expenses or demands, including reasonable attorneys' fees, made by an third party relating to or arising out of content you submit, post to or transmit through the Site, your use of the Site, your connection to the Site, your violation of these Terms and Conditions, or your violation of any rights of a third party.

Jurisdiction

First Health controls this Site (excluding linked sites) from its headquarters in Downers Grove, Illinois, United States of America and makes no representation that any content contained in this Site is appropriate or available for use in other locations, and accessing this Site or use of any of its content from locations where such use or content is illegal is prohibited. Because this Site can be accessed from all 50 states, as well as from other countries around the world, and each of these places has laws that may differ from those of Illinois, by accessing this Site both you and First Health agree that the statutes and laws of the state of Illinois, notwithstanding any principles of conflicts of law, will apply to all matters relating to use of this Site and that if you use this Site from any other location you are responsible for compliance with applicable local laws. You and First Health also agree and hereby submit to the exclusive personal jurisdiction and venue in DuPage County, Illinois or the Federal Courts with jurisdiction in Illinois with respect to such matters. If any part of these Terms and Conditions is deemed unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.

Copyright & Trademarks

This Site and its content, copyright 1997-2001 First Health Group Corp. All rights reserved. All works of authorship contained at this Site, including, but not limited to, text, images and their arrangement, are owned by First Health, (except as otherwise noted. "First Health®," the heart logo, and other names appearing in a type form different from that of the surrounding text are service marks owned by or licensed to First Health), its subsidiaries or affiliates. Any other product name or company name mentioned in this Site may be a service/trademark of its owner. You may not reproduce, copy, or redistribute the design, layout or individual elements of this Site design without the express written permission of First Health. If you or your organization has a preexisting agreement with First Health, that agreement will specify your rights and obligations regarding the use of First Health service/trademarks. If you do not have an existing agreement with First Health, use, reproduction, copying, or redistribution of any First Health service/trademarks is strictly prohibited without written permission from First Health.

Each user of this site is responsible for the content of his or her postings to and transmissions through the Site. This means that each user, and not First Health, is entirely responsible for all content that he or she posts, e-mails, uploads or otherwise transmits via the Site. Use of the Site is subject to all applicable local, state, national, and international laws and regulations. THE USE OF WEBWACKER OR SIMILAR PRODUCT TO DOWNLOAD OUR SITE, OR ANY OF THE CONTENT ON THIS SITE, INFRINGES First Health'S COPYRIGHT. DO NOT USE WEBWACKER OR SIMILAR PRODUCTS ON THIS SITE!

First Health®, AFFORDABLE®, OUCH® and the heart logo are registered service marks of First Health Group Corp.

Always First in Health Plans and Making health care as simple as 1 2 3 are service marks of First Health Group Corp.

All other trademarks and service marks are the property of respective trademark owners.

Use of this Site is also subject to additional Terms and Conditions. Please read carefully before using.

Revisions

First Health uses reasonable efforts to include accurate, complete and current information on this Site. However, First Health does not guaranty any use, display or representation of the content in this Site in terms of its correctness, accuracy, reliability, completeness or otherwise. First Health reserves the right to, and may, make improvements and/or changes in format or content of this Site and to change these Terms and Conditions at any time without prior notice. First Health has no obligation to update any information or content on this Site, and such information or content may be out of date at any given time.

First Health has no obligation to update any information or content on this Site, and such information or content may be out of date at any given time. First Health may also make improvements and/or changes in the information or content contained in this Site at any time without prior notice. First Health reserves the right to change these Terms and Conditions and Legal Restrictions at any time. Site Manager. Send e-mail to First Health with questions or comments about this Site.

Links & Linking

Links To Other Web sites. Your use of links from this site to other Web sites is voluntary. They are provided for your convenience as Internet navigation tools only. First Health accepts no responsibility for the content, products and/or services provided at such Web sites. Links to other Web sites contain information created, published, maintained, or otherwise posted by persons or entities independent of First Health. First Health does not endorse, approve, recommend, favor, certify, or control these Web sites, and does not guarantee the content, accuracy, completeness or timeliness of information located at such Web sites. The owners/operators of such other Web sites do not necessarily endorse First Health products or services, nor are they responsible for the content of this Site.

Use of any information, products or services obtained from Web sites with links to this Site is voluntary, and entirely at your own risk. First Health does not warrant or guarantee, and assumes no responsibility for: 1) your use of the information, products or services obtained at any Web site linked to this Site, or 2) the content of such information, including, but not limited to, errors or omissions, the accuracy or reasonableness of the content, the defamatory nature of any statements contained therein, ownership of copyright or other intellectual property rights, or the violation of property, privacy, or personal rights of others by any such site or its owner/operator. First Health is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of or relating to any use, reference to, or reliance on such information, products or services. The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.

Establishing a Link to This Site. First Health prohibits the use of the First Health logo as a "hot" link to this Site unless the establishment of such a link is approved in writing by First Health. You may establish a hypertext link to this Site from your Web site provided that: 1) the link must be a text-only link clearly marked "First Health"; 2) the link must be to "http://www.firsthealth.com" or, for First Health's clients and their clients and covered persons authorized to utilize First Health's services, to a specific URL provided by First Health; 3) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with First Health's name and service/trademarks; 4) the appearance, position and other aspects of the link may not create the false appearance that you or any other entity is associated with or sponsored by First Health (except to identify First Health as your service provider, if applicable); 5) the link, when activated by a user, must display First Health's Site full-screen and not within a "frame" on the linked Web site; and 6) First Health reserves the right to revoke its consent to the link at any time in its sole discretion. You may not, without obtaining First Health's written permission, republish, redistribute or otherwise make any copies of, the content on this Site as a part of the link, including by framing or similar means, or otherwise.

Use of this Site is also subject to additional Terms and Conditions. Please read carefully before using.

Investment Information

This Site is not designed to advance or sell any particular First Health product or service. Any such reference to First Health products or services are purely for illustrative purposes. It is up to you, as a prudent reader, to understand and determine on your own what you need to do in order to make intelligent decisions in connection with the matters discussed on this Site, and to seek out advice of competent individuals before making any investment decision.

Certain information related to finances, investment and performance contained herein may include certain forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including (without limitation) statements with respect to anticipated future operating and financial performance, growth and acquisition opportunities and other similar forecasts and statements of expectation. Words such as "expects", "anticipates", "intends", "plans", "believes", "seeks", "estimates", "could" and "should" and variations of these words and similar expressions, are intended to identify these forward-looking statements. Forward-looking statements made by First Health and its management are based on estimates, projections, beliefs and assumptions of management at the time of such statements and are not guarantees of future performance. First Health disclaims any obligations to update or revise any forward-looking statement based on the occurrence of future events, the receipt of new information or otherwise.

Actual future performance, outcomes and results may differ materially from those expressed in forward-looking statements made by First Health and its management as a result of a number of risks, uncertainties and assumptions. Representative examples of these factors include (without limitation) general industry and economic conditions; interest rate trends; cost of capital and capital requirements; competition from other managed care companies; the ability to expand certain areas of First Health's business; shifts in customer demands; changes in operating expenses, including employee wages, benefits and medical inflation; governmental and public policy changes and the continued availability of financing in the amounts and at the terms necessary to support First Health's future business. In addition, if First Health does not continue to successfully integrate recent acquisitions into its existing business, successfully implement new contracts and programs, and control healthcare benefit expenses, it may not achieve its planned financial results.

Use of this Site is also subject to additional Terms and Conditions. Please read carefully before using.

Last Modified: Tuesday, April 23, 2002