EMSI's Commitment

In selecting EMSI as a vendor, its clients express confidence in the reputation EMSI has built as the leading provider of quality information services to the insurance industry. In appreciation of that commitment, and to demonstrate EMSI's clients' confidence is justified, EMSI has established the following privacy policy. EMSI understands the privacy of information entrusted to it by clients is vital, and EMSI is committed to protecting that privacy.

Protecting Information

EMSI maintains security policies and practices in its facilities and systems to protect appropriate information from unauthorized access and inappropriate disclosure, alteration or destruction. Security may include, but is not limited to, encryption, physical access security and other appropriate technologies. EMSI continually reviews and enhances security systems as necessary. EMSI does not use cookies (information which may be placed on the hard drive of a web site visitor) on its web sites. Internet Protocol (IP) addresses are used only for reporting demographic information and number of visits. IP addresses are stored for a limited time and then purged. As EMSI upgrades, enhances, modifies or maintains its systems, services and procedures, modifications may be made to this policy. Personnel failure to hold in confidence private information is subject to disciplinary process. Personnel are required to execute an acknowledgement of their receipt and understanding of EMSI's policies and procedures containing confidentiality obligations which they are subject to. EMSI does not provide private information to the general public. EMSI does not compile or distribute mailing lists or consumer marketing data from information received from clients. EMSI does not modify or correct information obtained from other persons or organizations, since such information is not prepared by EMSI.

Obtaining and Sharing Information

EMSI respects the privacy of individuals while obtaining information for legitimate businesses that can demonstrate an appropriate need for the information. EMSI obtains information ordered by its clients using sources identified by clients - either the subject individual or a reputable source. EMSI obtains and discloses such information pursuant to appropriate written authorizations to gather information for, and disclose it to, its clients for the purposes of their underwriting and servicing of insurance policies, and for their other legitimate purposes authorized by law. EMSI handles such information in accordance with its clients' directions, the written authorizations, EMSI's contracts with clients, and applicable law. EMSI does not share information it obtained for a client with its other clients, unless the subject's authorization permits such.

Kinds of Information

EMSI is authorized by clients to act on their behalfs to obtain information on individuals regarding the following:

· Health history
· Medical information
· Family history
· Lifestyle character
· General reputation
· Habits, use of alcohol and other drugs
· Driving records
· Marital status
· Death records
· Civil and criminal court records
· Past and present employment and job duties
· Finances
· Other insurance coverage
· Participation in hazardous hobbies or activities.

Sources of such information may include various governmental agencies, medical facilities, independent consumer reporting agencies or other information exchange organizations or individuals provided for personal and business references.

Opting Out

EMSI does not use the information it obtains on behalf of its clients. Therefore, if a subject of information desires to opt out of having the information used for any purpose, the subject should address this option with EMSI's client when the subject provides the authorization to release information to EMSI's client. However, when EMSI makes a direct inquiry of the subject of the information, there is an opportunity presented for the subject to opt out of providing the information. In these instances, the subject need only decline to provide the requested material. In all other instances, EMSI only gathers and discloses the information pursuant to the subject's written authorization obtained by EMSI's clients.

Questions

Please address questions regarding EMSI's privacy policy to EMSI's privacy officer at 1-800-999-3260 extension 4550.