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<div class=3DSection1>

<p class=3DMsoTitle><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-size:16.0pt'>Notice of Privacy Practices<o:p></o:p></span></=
b></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b style=
=3D'mso-bidi-font-weight:
normal'><u><o:p><span style=3D'text-decoration:none'>&nbsp;</span></o:p></=
u></b></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b style=
=3D'mso-bidi-font-weight:
normal'><span style=3D'font-size:14.0pt;mso-bidi-font-size:10.0pt'>Dr. Den=
nis E.
Cowley, P.C.<o:p></o:p></span></b></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><st1:Stree=
t w:st=3D"on"><st1:address
 w:st=3D"on"><b style=3D'mso-bidi-font-weight:normal'><span style=3D'font-=
size:14.0pt;
  mso-bidi-font-size:10.0pt'>633 E. 13<sup>th</sup> Street, P.O. Box 365</=
span></b></st1:address></st1:Street><b
style=3D'mso-bidi-font-weight:normal'><span style=3D'font-size:14.0pt;mso-=
bidi-font-size:
10.0pt'><o:p></o:p></span></b></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span clas=
s=3DGramE><b
style=3D'mso-bidi-font-weight:normal'><span style=3D'font-size:14.0pt;mso-=
bidi-font-size:
10.0pt'>Ph.</span></b></span><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-size:14.0pt;mso-bidi-font-size:10.0pt'><span
style=3D'mso-spacerun:yes'>&nbsp; </span>(574) 946-3944<span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp; </span><st1:place w:st=
=3D"on"><st1:City
 w:st=3D"on">Winamac</st1:City>, <st1:State w:st=3D"on">IN</st1:State><span
 style=3D'mso-spacerun:yes'>&nbsp;&nbsp; </span><st1:PostalCode w:st=3D"on=
">46996</st1:PostalCode></st1:place><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp; </span><span class=3DG=
ramE>FAX<span
style=3D'mso-spacerun:yes'>&nbsp; </span>(</span>574) 946-6843<o:p></o:p><=
/span></b></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b style=
=3D'mso-bidi-font-weight:
normal'><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'><o:p>&n=
bsp;</o:p></span></b></p>

<p class=3DMsoBodyText2>THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOU=
T YOU
MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.<=
span
style=3D'mso-spacerun:yes'>&nbsp; </span>PLEASE REVIEW IT CAREFULLY. </p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'><o:p>&nbsp;</o:p></sp=
an></p>

<p class=3DMsoNormal style=3D'text-align:justify'><span style=3D'font-size=
:12.0pt;
mso-bidi-font-size:10.0pt'>This Notice of Privacy Practices describes how =
we
may use and disclose your protected health information to carry out treatm=
ent,
payment or health care operations and for other purposes that are permitte=
d or
required by law. It also describes your rights to access and control your
protected health information. &#8220;Protected health information&#8221; is
information about you, including demographic information, that may identif=
y you
and that relates to your past, present or future physical or mental health=
 or
condition and related health care services.<span
style=3D'mso-spacerun:yes'>&nbsp; </span><o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:12.0pt;mso-bidi-font-size:10=
.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'margin-left:.25in;text-indent:-.25in;mso-lis=
t:l0 level1 lfo1;
tab-stops:list .25in'><![if !supportLists]><b style=3D'mso-bidi-font-weigh=
t:normal'><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'><span style=3D'mso-li=
st:Ignore'>1.<span
style=3D'font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sp=
an></span></span></b><![endif]><b
style=3D'mso-bidi-font-weight:normal'><span style=3D'font-size:12.0pt;mso-=
bidi-font-size:
10.0pt'>USES AND DISCLOSURES OF PROTECTED HEALTH INFORMATION<o:p></o:p></s=
pan></b></p>

<p class=3DMsoBodyText3>We use and disclose your protected health informat=
ion for
treatment, payment, and healthcare operations.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>For example:</p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>Trea=
tment:</span></u></b><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'> We will use and disc=
lose
your protected health information to provide, coordinate, or manage your h=
ealth
care and any related services. This includes the coordination or managemen=
t of
your health care with a third party.<span style=3D'mso-spacerun:yes'>&nbsp;
</span>For example, we use your health information when our technician or
doctor tests your eyes, when the doctor prescribes glasses or contact lens=
es,
when we provide a prescription for medication to a pharmacist, and when we
notify you that your glasses are ready to be dispensed.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>Your protected health information=
 may
also be provided to a doctor to whom you have been referred to ensure that=
 the
doctor has the necessary information to diagnose or treat you.<o:p></o:p><=
/span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>Paym=
ent:</span></u></b><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'> Your protected health
information will be used, as needed, to obtain payment for your health care
services. For example, we use your health information when our staff asks =
you
about health or vision care plans that you may belong to, or about other
sources of payment for our services, and when we prepare bills to send to =
you
or your vision care plan. <o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>Heal=
thcare
Operations:</span></u></b><span style=3D'font-size:12.0pt;mso-bidi-font-si=
ze:
10.0pt'> We may use or disclose, as needed, your protected health informat=
ion
for administrative and managerial functions that we have to do in order to=
 run
our office. These activities include, but are not limited to, financial and
billing audits, internal quality assurance, personnel decisions, and
participation in managed care plans.<span style=3D'mso-spacerun:yes'>&nbsp;
</span>We may also call you by name in the waiting room when your doctor is
ready to see you. Unless you object, we may use or disclose your protected
health information, as necessary, to provide you with appointment or recall
reminders (such as voicemail messages, postcards, or letter).<o:p></o:p></=
span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><span style=3D'font-size=
:12.0pt;
mso-bidi-font-size:10.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>Your
Authorization:</span></u></b><span style=3D'font-size:12.0pt;mso-bidi-font=
-size:
10.0pt'> In addition to our use of your health information for treatment,
payment, or healthcare operations, you may give us written authorization t=
o use
your health information or to disclose it to anyone for any purpose.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>If you give us this authorization=
, you
may revoke it in writing at anytime.<span style=3D'mso-spacerun:yes'>&nbsp;
</span>Your revocation will not affect any use or disclosure permitted by =
your
authorization while it was in effect.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>To Y=
our
Family and Friends:</span></u></b><span style=3D'font-size:12.0pt;mso-bidi=
-font-size:
10.0pt'><span style=3D'mso-spacerun:yes'>&nbsp; </span>We must disclose yo=
ur
health information to you, as described in the Patient Rights section of t=
his
Notice.<span style=3D'mso-spacerun:yes'>&nbsp; </span>We may disclose your=
 health
information to a family member, friend, or other person to the extent nece=
ssary
to help with your healthcare or with payment for your healthcare, but only=
 with
your approval.<o:p></o:p></span></p>

<p class=3DMsoBodyText><b style=3D'mso-bidi-font-weight:normal'><u><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>Other Uses and Disclo=
sures:</span></u></b><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'><span
style=3D'mso-spacerun:yes'>&nbsp; </span>We may use or disclose your prote=
cted
health information in the following situations without your authorization.
These situations include: as Required By Law, Public Health issues as requ=
ired
by law, Communicable Diseases, Health Oversight, Abuse or Neglect, Food and
Drug Administration requirements, Legal Proceedings, Law Enforcement, Coro=
ners,
Funeral Directors, and Organ Donation, Research, Criminal Activity, Milita=
ry
Activity and National Security, Workers&#8217; Compensation, Inmates, Requ=
ired
Uses and Disclosures. <o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'><o:p>&n=
bsp;</o:p></span></b></p>

<h1>2.<span style=3D'mso-spacerun:yes'>&nbsp; </span>PATIENT RIGHTS</h1>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>You =
have
the right to inspect and copy your protected health information.</span></u=
></b><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp; </span>Except for a few limited
situations in which we can legally refuse to permit access or copying, you=
 may
review or copy your health information within 30 days of your written requ=
est.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>You may have to pay for photocopi=
es in
advance.<span style=3D'mso-spacerun:yes'>&nbsp; </span><o:p></o:p></span><=
/p>

<p class=3DMsoNormal style=3D'text-align:justify'><span style=3D'font-size=
:12.0pt;
mso-bidi-font-size:10.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal><b style=3D'mso-bidi-font-weight:normal'><u><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>You have the right to
request a restriction of your protected health information.</span></u></b>=
<span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'> This means you may a=
sk us
in writing not to use or disclose any part of your protected health inform=
ation
for the purposes of treatment, payment or healthcare operations. You may a=
lso
request that any part of your protected health information not be disclose=
d to
family members or friends who may be involved in your care or for notifica=
tion
purposes as described in this Notice of Privacy Practices. Your written re=
quest
must state the specific restriction requested and to whom you want the
restriction to apply.<span style=3D'mso-spacerun:yes'>&nbsp; </span>Your d=
octor
is not required to agree to a restriction that you may request. If your do=
ctor
believes it is in your best interest to permit use and disclosure of your
protected health information, your protected health information will not be
restricted. You then have the right to use another Healthcare Professional=
.<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:12.0pt;mso-bidi-font-size:10=
.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>You =
have
the right to request to receive confidential communications from us by alt=
ernative
means or at an alternative location.</span></u></b><span style=3D'font-siz=
e:12.0pt;
mso-bidi-font-size:10.0pt'><span style=3D'mso-spacerun:yes'>&nbsp; </span>=
We will
accommodate these written requests if they are reasonable, and if you pay =
us
for any extra cost.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><span style=3D'font-size=
:12.0pt;
mso-bidi-font-size:10.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>You =
may
have the right to have your doctor amend your protected health information=
.</span></u></b><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'> If we deny your writ=
ten
request for amendment, you have the right to file a statement of disagreem=
ent
with us and we may prepare a rebuttal to your statement and will provide y=
ou
with a copy of any such rebuttal. <o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><span style=3D'font-size=
:12.0pt;
mso-bidi-font-size:10.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><u><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>You =
have
the right to receive an accounting of certain disclosures we have made, if=
 any,
of your protected health information.</span></u></b><span style=3D'font-si=
ze:
12.0pt;mso-bidi-font-size:10.0pt'><span style=3D'mso-spacerun:yes'>&nbsp;&=
nbsp;
</span>You have a right to receive a list of instances in which we disclos=
ed
your health information for purposes other than treatment, payments, healt=
hcare
operations and certain other activities, for the last 6 years (or a shorter
period if you want), but not before April 14, 2003.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>If you request this accounting mo=
re than
once in a 12-month period, we may charge you a reasonable, cost-based fee =
for responding
to these additional requests.<o:p></o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><span style=3D'font-size=
:12.0pt;
mso-bidi-font-size:10.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><span style=3D'font-size=
:12.0pt;
mso-bidi-font-size:10.0pt'>We reserve the right to change the terms of this
notice and will inform you by mail of any changes.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>You then have the right to object=
 or
withdraw as provided in this notice. <o:p></o:p></span></p>

<p class=3DMsoNormal><b style=3D'mso-bidi-font-weight:normal'><u><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'><o:p><span style=3D't=
ext-decoration:
 none'>&nbsp;</span></o:p></span></u></b></p>

<p class=3DMsoNormal style=3D'text-align:justify'><b style=3D'mso-bidi-fon=
t-weight:
normal'><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt'>3.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>QUESTIONS AND COMPLAINTS <o:p></o=
:p></span></b></p>

<p class=3DMsoBodyText><span style=3D'font-size:12.0pt;mso-bidi-font-size:=
10.0pt'>If
you want more information about our privacy practices or <span class=3DGra=
mE>have</span>
questions or concerns, please contact us.<span style=3D'mso-spacerun:yes'>=
&nbsp;
</span>If you are concerned that we may have violated your privacy rights,=
 or
you disagree with a decision we made regarding your privacy rights, you may
submit a written complaint to our office or to the U.S. Department <span
class=3DGramE>of<span style=3D'mso-spacerun:yes'>&nbsp; </span>Health</spa=
n> and
Human Services.<span style=3D'mso-spacerun:yes'>&nbsp; </span>We support y=
our
right to the privacy of your health information.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>We will not retaliate against you=
 for
filing a complaint. <o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:12.0pt;mso-bidi-font-size:10=
.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal style=3D'text-align:justify'><span style=3D'font-size=
:12.0pt;
mso-bidi-font-size:10.0pt'>This notice was published and becomes effective
on/or before<b style=3D'mso-bidi-font-weight:normal'><u> April 14, 2003</u=
></b></span><b
style=3D'mso-bidi-font-weight:normal'><u>.</u></b><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp; </span><span style=3D'font-s=
ize:12.0pt;
mso-bidi-font-size:10.0pt'>We are required by law to maintain the privacy =
of,
and provide individuals with, this notice of our legal duties and privacy
practices with respect to protected health information. <o:p></o:p></span>=
</p>

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