Privacy Policy

This Privacy Policy includes the types of nonpublic personal information we collect. These should not be considered a complete inventory of our information collection. In addition, you may have other privacy protections under some state laws. We will comply with applicable state laws regarding your information.

Below is Empiric's privacy pledge to our customers:

Information We May Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you (or is provided to us on your behalf) on applications and other forms; and

• Information about your transactions with us, our affiliates, or others.

Information We May Disclose and To Whom We May Disclose Information

We do not disclose any nonpublic personal information about our customers or former customers to anyone.

Our Security Procedures

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

Explanation of Opt Out Right

At this time, we have no intention of providing your nonpublic personal information to any nonaffiliated third parties, and we will provide you a notice and the opportunity to opt out of those disclosures prior to any such action.