Common use of LIABILITY FOR VIOLATIONS OF THE FCRA Clause in Contracts

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 629 15 U.S.C. 1681y ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 608 15 U.S.C. 168S1efctio Section 616 15 U.S.C. 1681n Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx Xxx Xxxxxxx 000 00 X.X.X. 0000x Section 605A 610 15 U.S.C. 1681c-1 168S1ehction Section 605B 618 15 U.S.C. 1681c-2 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q Xxxxxxx 000 00 X.X.X. 0000x Section 607 625 15 U.S.C. 1681e 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 605A15 U.S.C. 1681g 1681cA Section 610 15 605B15 U.S.C. 1681h 1681cB Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 0000x Section 624 629 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u 1681y Xxxxxxx 000 00 X.X.X. 0000x 000X0xxxxxxx 615 Section 627 15 U.S.C. 1681w 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice 0000x-0 Ac ce ss Secur i t y R e qui r em ent s We must work together to protect the privacy and information of Furnisher Responsibilities This appendix prescribes the content of the required noticeconsumers. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M The following information security measures are designed to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information reduce unauthorized access to consumer information. It is your responsibility to implement these controls. If you do not understand these requirements or need assistance, it is your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given in the Glossary attached hereto. The credit reporting agencies (CRAs)agency reserves the right to make changes to Access Security Requirements without notification. These responsibilities are found in Section 623 of The information provided herewith provides minimum baselines for information security. In accessing the FCRAcredit reporting agency’s services, 15 U.S.C. § 1681s-you agree to follow these security requirements:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. [Sections 616, 617, 617 and 621. ] In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000Xx Xxxxxxx 000X 00 X.X.X. 0000Xx Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice DO NOT REPRODUCE CONFIDENTIAL DOCUMENT This document is the private property of Furnisher Responsibilities ProMesa Enterprises and must be returned upon request. This appendix prescribes document must not be copied, in whole or in part, without the content expressed written consent of ProMesa Enterprises. ATTACHMENT B Para informacion en espanol, visite xxx.xxx.xxx/xxxxxx o escribe a la FTC Consumer Response Center, Room 130-A 000 Xxxxxxxxxxxx Xxx. X.X., Xxxxxxxxxx, X.X. 00000. A Summary of Your Rights Under the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, 15 U.S.C. § 1681including information about additional rights, go to xxx.xxx.xxx/xxxxxx or write to: Consumer Response Center, Xxxx 000-1681yX, imposes responsibilities Federal Trade Commission, 000 Xxxxxxxxxxxx Xxx. X.X., Xxxxxxxxxx, X.X. 00000. * You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. * You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your 'file disclosure'). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: * a person has taken adverse action against you because of information in your credit report; * you are the victim of identity theft and place a fraud alert in your file; * your file contains inaccurate information as a result of fraud; * you are on public assistance; * you are unemployed but expect to apply for employment within 60 days. In addition, by September 2005 all persons who furnish consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxx.xxx/xxxxxx for additional information. * You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information to from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. * You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting DO NOT REPRODUCE CONFIDENTIAL DOCUMENT This document is the private property of ProMesa Enterprises and must be returned upon request. This document must not be copied, in whole or in part, without the expressed written consent of ProMesa Enterprises. agency, the agency must investigate unless your dispute is frivolous. See xxx.xxx.xxx/xxxxxx for an explanation of dispute procedures. * Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. * Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. * Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. * You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxx.xxx/xxxxxx. * You may limit 'prescreened' offers of credit and insurance you get based on information in your credit report. Unsolicited 'prescreened' offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (CRAs1-888-567-8688). These responsibilities are found * You may seek damages from violators. If a consumer reporting agency, or, in Section 623 some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, 15 U.S.C. § 1681s-you may be able to xxx in state or federal court. * Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxx.xxx/xxxxxx. DO NOT REPRODUCE CONFIDENTIAL DOCUMENT This document is the private property of ProMesa Enterprises and must be returned upon request. This document must not be copied, in whole or in part, without the expressed written consent of ProMesa Enterprises. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are: TYPE OF BUSINESS: CONTACT: Consumer reporting agencies, creditors and others not listed Federal Trade Commission: below Xxxxxxxx Xxxxxxxx Xxxxxx - XXXX Xxxxxxxxxx, XX 00000 0-000-000-0000 National banks, federal branches/agencies of foreign banks Office of the Comptroller of the Currency (word 'National' or initials 'N.A.' appear in or after bank's Compliance Management, Mail Stop 6-6 name) Xxxxxxxxxx, XX 00000 000-000-0000 Federal Reserve System member banks (except national Federal Reserve Board banks, and federal branches/agencies of foreign banks) Division of Xxxxxxxx & Xxxxxxxxx Xxxxxxx Xxxxxxxxxx, XX 00000 000-000-0000 Savings associations and federally chartered savings banks Office of Thrift Supervision (word 'Federal' or initials 'F.S.B.' appear in federal Consumer Complaints institution's name) Xxxxxxxxxx, XX 00000 Phone: 000-000-0000 Federal credit unions (words 'Federal Credit Union' appear National Credit Union Administration in institution's name) 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000 000-000-0000 State-chartered banks that are not members of the Federal Federal Deposit Insurance Corporation Reserve System Consumer Response Center, 0000 Xxxxx Xxxxxx Xxxxx 000 Xxxxxx Xxxx, Xxxxxxxx 00000-0000 1-877-275-3342 Air, surface, or rail common carriers regulated by former Department of Transportation, Civil Aeronautics Board or Interstate Commerce Commission Office of Financial Management Xxxxxxxxxx, XX 00000 000-000-0000 Activities subject to the Packers and Xxxxxxxxxx Xxx, 0000 Department of Agriculture Xxxxxx xx Xxxxxx Xxxxxxxxxxxxx - XXXXX Xxxxxxxxxx, XX 00000 000-000-0000 END OF DOCUMENT DO NOT REPRODUCE CONFIDENTIAL DOCUMENT This document is the private property of ProMesa Enterprises and must be returned upon request.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Bureau of Consumer Financial Protection Bureau Protection’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice Section 629 15U.S.C.1681y Exhibit X-2: A Summary of Furnisher Responsibilities This appendix prescribes Your Rights under the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsFair Credit Reporting Act Para información en español, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx, X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, 15 U.S.C. § 1681including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-1681y, imposes responsibilities worthiness based on all persons who furnish information to from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (CRAs0-000-000-0000). These responsibilities are found • You may seek damages from violators. If a consumer reporting agency, or, in Section 623 some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, 15 U.S.C. § 1681s-you may be able to xxx in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 602 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Section 614 604 15 U.S.C. 1681l 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 000X 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), Section 627 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in 1681w Section 623 of the FCRA, 613 15 U.S.C. § 1681s-1681k Xxxxxxx 000 00 X.X.X. 0000x

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Bureau of Consumer Financial Protection Bureau Protection’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice Section 629 15U.S.C.1681y Exhibit X-2: A Summary of Furnisher Responsibilities This appendix prescribes Your Rights under the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsFair Credit Reporting Act Para información en español, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx, X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, 15 U.S.C. § 1681including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-1681y, imposes responsibilities worthiness based on all persons who furnish information to from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (CRAs1-888-567-8688). These responsibilities are found • You may seek damages from violators. If a consumer reporting agency, or, in Section 623 some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, 15 U.S.C. § 1681s-you may be able to xxx in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for the FCRA sections in the U.S. Code, 15 U.S.C. § 1618 U.S.C.§ 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-0000x

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 608 15 U.S.C. 168S1efctio Section 616 15 U.S.C. 1681n Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx Xxx Xxxxxxx 000 00 X.X.X. 0000x Section 605A 610 15 U.S.C. 1681c-1 168S1ehction Section 605B 618 15 U.S.C. 1681c-2 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q Xxxxxxx 000 00 X.X.X. 0000x Section 607 625 15 U.S.C. 1681e 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 605A15 U.S.C. 1681g 1681cA Section 610 15 605B15 U.S.C. 1681h 1681cB Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 0000x Section 624 629 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u 1681y Xxxxxxx 000 00 X.X.X. 0000x 000X0xxxxxxx 615 Section 627 15 U.S.C. 1681w 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice 0000x-0 Ac ce ss Secu r i t y R eq uirement s We must work together to protect the privacy and information of Furnisher Responsibilities This appendix prescribes the content of the required noticeconsumers. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M The following information security measures are designed to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information reduce unauthorized access to consumer information. It is your responsibility to implement these controls. If you do not understand these requirements or need assistance, it is your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given in the Glossary attached hereto. The credit reporting agencies (CRAs)agency reserves the right to make changes to Access Security Requirements without notification. These responsibilities are found in Section 623 of The information provided herewith provides minimum baselines for information security. In accessing the FCRAcredit reporting agency’s services, 15 U.S.C. § 1681s-you agree to follow these security requirements:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 602 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Section 614 604 15 U.S.C. 1681l 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 000X 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), Section 627 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in 1681w Section 623 of the FCRA, 613 15 U.S.C. § 1681s-1681k Xxxxxxx 000 00 X.X.X. 0000x

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. U.S.C § 1618 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 6058 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsSection 629 15 U.S.C. 168y Exhibit C Para información en español, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA)) promotes the accuracy, 15 U.S.C. § 1681-1681yfairness, imposes responsibilities on all persons who furnish and privacy of information to in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (CRAssuch as agencies that sell information about check writing histories, medical records, and rental history records). These responsibilities are found Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000.  You must be told if information in Section 623 your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the FCRAagency that provided the information.  You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, 15 U.S.C. § 1681s-which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections S ections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection’s website at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties: Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx when they are issued. Section 623(e).

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: . Section602 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Section 605A 614 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 1681l Xxxxxxx 000 000X 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Xxxxxxx 000 00 X.X.X. 0000x Section 614 617 15 U.S.C. 1681l 1681o Section 608 15 U.S.C. 1681f Section 618 15 U.S.C. 1681p Section 609 15 U.S.C. 1681g Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 14 Section 618 611 15 U.S.C. 1681p 1681i Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 602 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Section 614 604 15 U.S.C. 1681l 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 000X 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Xxxxxxx 000 00 X.X.X. 0000x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Exhibit B to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsUser Certification Para informacion en espanol, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, 15 U.S.C. § 1681-1681yincluding information about additional rights, imposes responsibilities go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: o A person has taken adverse action against you because of information in your credit report; o You are the victim of identity theft and place a fraud alert in your file; o Your file contains inaccurate information as a result of fraud; o You are on public assistance; o You are unemployed but expect to apply for employment within 60 days. In addition, all persons who furnish consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit- worthiness based on information to from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (CRAs1-888-567-8688). These responsibilities are found • You may seek damages from violators. If a consumer reporting agency, or, in Section 623 some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, 15 U.S.C. § 1681s-you may be able to xxx in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact: TYPE OF BUSINESS: CONTACT:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-FRAUD DETECTION AND IDENTITY SERVICES ADDENDUM [**CONFIDENTIAL**] ELECTRONIC BANKING SERVICES ADDENDUM

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 0000x‐0 Xxxxxxx 000X 00 X.X.X. 0000x‐0 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 622 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-0000x‐0

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-0000x

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b 0000; Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 0000x; Xxxxxxx 000 00 X.X.X. 0000x; Xxxxxxx 000 00 X.X.X. 0000x; Xxxxxxx 000X 00 X.X.X. 0000x-0; Section 605B 15 U.S.C. 1681c-2 1681c-2; Section 606 15 U.S.C. 1681d; Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e 0000x; Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 0000x; Xxxxxxx 000 00 X.X.X. 0000x 0000x; Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l 0000x; Xxxxxxx 000 00 X.X.X. 0000x 0000x; Xxxxxxx 000 00 X.X.X. 0000x 0000x; Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p 0000x; Xxxxxxx 000 00 X.X.X. 0000x 0000x; Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s 0000x; Xxxxxxx 000 00 X.X.X. 0000x-0 0000x; Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u 0000x; Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w 0000x; Xxxxxxx 000 00 X.X.X. 0000x 0000x; Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations0000x; Xxxxxxx 000 00 X.X.X. 0000x; Xxxxxxx 000 00 X.X.X. 0000x-0; Xxxxxxx 000 00 X.X.X. 0000x-0; Xxxxxxx 000 00 X.X.X. 0000x; Xxxxxxx 000 00 X.X.X. 0000x; Xxxxxxx 000 00 X.X.X. 0000x; Xxxxxxx 000 00 X.X.X. 0000x; Xxxxxxx 000 00 X.X.X. 0000x; Xxxxxxx 000 00 X.X.X. 0000X. Para informacion en espanol, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA)) promotes the accuracy, 15 U.S.C. § 1681-1681yfairness, imposes responsibilities on all persons who furnish and privacy of information to in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (CRAssuch as agencies that sell information about check writing histories, medical records, and rental history records). These responsibilities are found Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in Section 623 your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the FCRAagency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, 15 U.S.C. § 1681s-which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteCFPB’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice FORMERLY TALX CORPORATION PROVIDER OF EQUIFAX VERIFICATION SOLUTIONS (EVS) WORKFORCE SOLUTIONS (EWS) ADDENDUM E REQUIREMENT FOR 3RD PARTY EMPLOYMENT/INCOME VERIFICATIONS This Addendum E to Master Services End-User Agreement is specifically and solely required by Equifax from each subscriber to continue their services. As taken directly from the EWS/EVS Reseller Policy: “The CRA must require each subscriber to sign an Agreement for Service that complies with the terms and conditions set out in the CRA’s Agreement for Service with Equifax. Periodically, Equifax may notify CRA resellers of Furnisher Responsibilities additional or new service level requirements or security guidelines that must be adhered to for continued access to Equifax information.” Items required by Equifax Workforce Solutions for continuation of services are: • Exhibit A-2 attached • execution of this Addendum E This appendix prescribes Addendum, dated as of this 18th day of October , 201_9_, is made to the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT Master Services End- User Agreement between Xxxx Community College District (“BEnd-User/Subscriber” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsor “Subscriber” and its subsidiaries and affiliates) and Xxx-xxxxxx.xxx, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act Inc. (FCRA“Pre-employ”), 15 U.S.C. § 1681and supplements any other Addenda signed between End-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-User/Subscriber and Pre-employ.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, 617 and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.. User agrees that ChoicePoint can communicate with User via facsimile and electronic mail. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000Xx Xxxxxxx 000X 00 X.X.X. 0000Xx Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-0000x

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for the FCRA sections in the U.S. Code, 15 U.S.C. § 1618 U.S.C.§ 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-0000x

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Bureau of Consumer Financial Protection Bureau Protection’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice Section 629 15U.S.C.1681y Exhibit XX-2: A Summary of Furnisher Responsibilities This appendix prescribes Your Rights under the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsFair Credit Reporting Act Para información en español, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx, X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, 15 U.S.C. § 1681including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-1681y, imposes responsibilities worthiness based on all persons who furnish information to from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (CRAs0-000-000-0000). These responsibilities are found • You may seek damages from violators. If a consumer reporting agency, or, in Section 623 some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, 15 U.S.C. § 1681s-you may be able to xxx in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-0000x-0

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteCFPB’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice *Certain Sections of Furnisher Responsibilities This appendix prescribes this Exhibit and sub-exhibits call for initials, signatures, addresses, and other information. The signatures at the content end of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply Subscriber Agreement shall specifically constitute agreement with all applicable regulations, including regulations promulgated after provisions of this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection BureauEquifax Exhibit and it’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681sub-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-exhibits.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Xxxxxxx 000 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES Section 629 15 U.S.C. 1681y APPENDIX C NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of information to consumer reports reporting agencies must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-1681s-2. State law may impose additional requirements on furnishers. All furnishersof information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau (CFPB): xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. A list of the sections of the FCRA cross- referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties uponfurnishers: Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are availableat xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. Section 623(e). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C).

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 608 15 U.S.C. 168S1efctio Section 616 15 U.S.C. 1681n Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx Xxx Xxxxxxx 000 00 X.X.X. 0000x Section 605A 610 15 U.S.C. 1681c-1 168S1ehction Section 605B 618 15 U.S.C. 1681c-2 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q Xxxxxxx 000 00 X.X.X. 0000x Section 607 625 15 U.S.C. 1681e 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 605A15 U.S.C. 1681g 1681cA Section 610 15 605B15 U.S.C. 1681h 1681cB Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 0000x Section 624 629 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u 1681y Xxxxxxx 000 00 X.X.X. 0000x 000X0xxxxxxx 615 Section 627 15 U.S.C. 1681w 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice 0000x-0 Ac ce ss Secu r i t y R eq u i remen t s We must work together to protect the privacy and information of Furnisher Responsibilities This appendix prescribes the content of the required noticeconsumers. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M The following information security measures are designed to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information reduce unauthorized access to consumer information. It is your responsibility to implement these controls. If you do not understand these requirements or need assistance, it is your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given in the Glossary attached hereto. The credit reporting agencies (CRAs)agency reserves the right to make changes to Access Security Requirements without notification. These responsibilities are found in Section 623 of The information provided herewith provides minimum baselines for information security. In accessing the FCRAcredit reporting agency’s services, 15 U.S.C. § 1681s-you agree to follow these security requirements:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteCFPB’swebsite, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x § 1681 et seq.: Section 605A 602 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l 1681n Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 00X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 15U.S.C. 1681p Xxxxxxx 000 000X 00 X.X.X. 0000x 0000xX Section 619 15U.S.C. 1681q Xxxxxxx 000X 00 X.X.X. 0000xX Section 620 15U.S.C. 1681r Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 15U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 0000x Section 622 15U.S.C. 1681s-1 Xxxxxxx 000 00 X.X.X. 0000x-0 0000x Section 623 15U.S.C. 1681s-2 Xxxxxxx 000 00 X.X.X. 0000x Section 624 15 U.S.C. 15U.S.C. 1681t Xxxxxxx 000 00 X.X.X. 0000x Section 625 15 U.S.C. 15U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 626 15U.S.C. 1681v Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 15U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS Section 629 15U.S.C. 1681y A SUMMARY OF INFORMATION: OBLIGATIONS OF FURNISHERS YOUR RIGHTS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA FAIR CREDIT REPORTING ACT The federal Fair Credit Reporting Act (FCRA)) promotes the accuracy, 15 U.S.C. § 1681-1681yfairness, imposes responsibilities on all persons who furnish and privacy of information to in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (CRAssuch as agencies that sell information about check writing histories, medical records, and rental history records). These responsibilities are found Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau,1700 X Xxxxxx XX.,Xxxxxxxxxx, X.X. 00000. • You must be told if information in Section 623 your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the FCRAagency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, 15 U.S.C. § 1681s-which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice UNIVERSAL MEMBERSHIP AGREEMENT for Equifax Verification Services Exhibit 2 VERMONT FAIR CREDIT REPORTING CONTRACT CERTIFICATION The undersigned, CareerSource Broward (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Furnisher Responsibilities This appendix prescribes Equifax Verification Services (“EVS”), in accordance with the content of Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsVFCRA”), including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at and the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), 15 U.S.C. § 1681-1681yand its other state law counterparts. In connection with Agency's continued use of EVS services in relation to Vermont consumers, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-Agency hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: Exhibit B SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-DESCRIPTION FOR QUALIFIED SUBSCRIBER AGREEMENTS

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Section 614 604 15 U.S.C. 1681l 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Section 608 U.S.C. 1681f Xxxxxxx 000 00 X.X.X. 0000x-0 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 627 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x 1681w Section 613 15 U.S.C. 1681k Xxxxxxx 000 00 X.X.X. 0000x Section 621 614 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u 1681l Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATIONxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. Notice to Furnishers of Information: OBLIGATIONS OF FURNISHERS UNDER THE Obligations of Furnishers Under the FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection’s website at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties: Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx when they are issued. Section 623(e). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C).

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. DocuSign Envelope ID: 51738651-7D4F-49F6-92BC-819839070612 The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice DocuSign Envelope ID: 51738651-7D4F-49F6-92BC-819839070612 Exhibit C – A Summary of Furnisher Responsibilities This appendix prescribes Your Rights Under the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-Act

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice UNIVERSAL MEMBERSHIP AGREEMENT for The Work Number® Verifier Services Exhibit 2 VERMONT FAIR CREDIT REPORTING CONTRACT CERTIFICATION The undersigned, (“Company”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Furnisher Responsibilities This appendix prescribes Equifax Verification Services (“EVS”), in accordance with the content of Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsVFCRA”), including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at and the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), 15 U.S.C. § 1681-1681yand its other state law counterparts. In connection with Company's continued use of EVS services in relation to Vermont consumers, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-Company hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice UNIVERSAL MEMBERSHIP AGREEMENT for Equifax Verification Services Exhibit 2 VERMONT FAIR CREDIT REPORTING CONTRACT CERTIFICATION The undersigned, County Board of Furnisher Responsibilities This appendix prescribes Arlington County (“Agency”), acknowledges that it subscribes to receive various information services from Equifax Workforce Solutions LLC, provider of Equifax Verification Services (“EVS”), in accordance with the content of Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsVFCRA”), including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at and the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), 15 U.S.C. § 1681-1681yand its other state law counterparts. In connection with Agency's continued use of EVS services in relation to Vermont consumers, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-Agency hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx , has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, Section 603 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x 1681a Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx Section 629 15 U.S.C. 1681y ATTACHMENT H SAMPLE REMEDYING THE EFFECTS OF IDENTITY THEFT AAIM EA TRAINING AND CONSULTING LLC 0000 X. Xxxxxxxxx Xxxx. Xxxxx 000 00 X.X.X. 0000x Prescribed Notice Xx. Xxxxx, XX 00000 Phone: 000-000-0000 / 000-000-0000 Fax: 000-000-0000 CONFIDENTIAL TO BE OPENED BY ADDRESSEE ONLY XXXX TEST 0000 XXXXXX XXXXXX XXXXX XXXXX, XX 00000 Remedying the Effects of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsIdentity Theft Para informacion en espanol, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: OBLIGATIONS OF FURNISHERS UNDER THE FCRA Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. The federal Fair Credit Reporting Act (FCRA)) gives you specific rights when you are, 15 U.S.C. § 1681-1681yor believe that you are, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs)the victim of identity theft. These responsibilities are found in Section 623 Here is a brief summary of the FCRA, 15 U.S.C. § 1681s-rights designed to help you recover from identity theft.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-UNT

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 Xxxxxxx 000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 6l2 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 62l 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES Section 629 15 U.S.C. 1681y NOTICE TO FURNISHERS USERS OF INFORMATION: OBLIGATIONS OF FURNISHERS CONSUMER REPORTS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M CALIFORNIA CONSUMER CREDIT REPORTING AGENCIES ACT CIVIL CODE SECTION 1785.20-1785.22 The California Consumer Credit Reporting Agencies Act (Civil Code Sections 1785.1 – 1785.36) requires that this notice be provided to Part 1022 All furnishers inform users of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681of their responsibilities under Sections 1785.20-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 1785.22 of the FCRA, 15 U.S.C. § 1681s-California Civil Code. Sections 1785.20-1785.22 impose the following duties upon users of consumer reports:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-0000x

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Bureau of Consumer Financial Protection Bureau Protection’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice Section 629 15U.S.C.1681y Exhibit XX-2: A Summary of Furnisher Responsibilities This appendix prescribes Your Rights under the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsFair Credit Reporting Act Para informacion en espanol, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx, X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, 15 U.S.C. § 1681including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-1681y, imposes responsibilities worthiness based on all persons who furnish information to from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (CRAs0-000-000-0000). These responsibilities are found • You may seek damages from violators. If a consumer reporting agency, or, in Section 623 some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, 15 U.S.C. § 1681s-you may be able to xxx in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 602 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Section 614 604 15 U.S.C. 1681l 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 000X 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATIONSection 627 15 U.S.C. 1681w DocuSign Envelope ID: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” ToED91BD51-D4EA-467E-96DE-65597EB9B10E DocuSign Envelope ID: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations1519D74C-EF7C-4B6C-9C16-06AEF434CEE6 Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Section 629 15 U.S.C. 1681y DocuSign Envelope ID: 1519D74C-EF7C-4B6C-9C16-06AEF434CEE6 Para información en español, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA)) promotes the accuracy, 15 U.S.C. § 1681-1681yfairness, imposes responsibilities on all persons who furnish and privacy of information to in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (CRAssuch as agencies that sell information about check writing histories, medical records, and rental history records). These responsibilities are found Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in Section 623 your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the FCRAagency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, 15 U.S.C. § 1681s-which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Xxxxxxx 000 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsPara información en español, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION0000 X Xxxxxx X.X., Xxxxxxxxxx, X.X. 00000. Remedying the Effects of Identity Theft You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: OBLIGATIONS OF FURNISHERS UNDER THE FCRA Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, X.X. 00000. The federal Fair Credit Reporting Act (FCRA)) gives you specific rights when you are, 15 U.S.C. § 1681-1681yor believe that you are, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs)the victim of identity theft. These responsibilities are found in Section 623 Here is a brief summary of the FCRA, 15 U.S.C. § 1681s-rights designed to help you recover from identity theft.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-0000x

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. _ The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 602 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Section 614 604 15 U.S.C. 1681l 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 000X 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulationsSection 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Xxxxxxx 000 00 X.X.X. 0000x Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x EXHIBIT A-2 Para información en español, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA)) promotes the accuracy, 15 U.S.C. § 1681-1681yfairness, imposes responsibilities on all persons who furnish and privacy of information to in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (CRAssuch as agencies that sell information about check writing histories, medical records, and rental history records). These responsibilities are found Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in Section 623 your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the FCRAagency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, 15 U.S.C. § 1681s-which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:

LIABILITY FOR VIOLATIONS OF THE FCRA. A. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice SIGNATURE DATE EXHIBIT B TO END USER SERVICE AGREEMENT: SUBSCRIBER PROFILE Company Name: Company Address: Telephone Number: Company Website: Employers Federal Tax ID # or Employer Identification Number: : Number of Furnisher Responsibilities This appendix prescribes the content Employees: Date Established: Please circle one: Corporation Partnership Individually Owned Name of the required notice. NOTICES Owner: Please list persons authorized to order AISS services: EXHIBIT C TO FURNISHERS OF INFORMATIONEND USER SERVICE AGREEMENT: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of CONSENT TO OBTAIN CONSUMER REPORT ON SUBSCRIBER WHERE SUBSCRIBER IS A SOLE PROPRIETOR OR PARTNERSHIP I understand that you may obtain consumer reports must comply with all applicable regulationsthat relate to my credit and/or criminal history. This information will, including regulations promulgated after this notice was first prescribed in 2004whole or in part, be obtained from AISS, a Sterling Infosystems Company, 0000 Xxx Xxxx Xxxx, 0xx xxxxx, Xxxxxxxxxxxx, XX 00000, telephone 000.000.0000. Information about applicable regulations currently I understand that you may be requesting information from various federal, state and other agencies or institutions, which maintain public and non-public records concerning my past activities relating to my credit and/or criminal history. I authorize, without reservation, any party, institution, or agency contacted by AISS to furnish the above mentioned information: / / - - Applicant Name Date of Birth* Social Security Number *Date of Birth is requested in effect can be found at the Consumer Financial Protection Bureau’s websiteorder to obtain accurate retrieval of records. Alias/Previous Name(s) Current Physical Address City & State Zip Code California, NOTICE TO FURNISHERS OF INFORMATIONMinnesota & Oklahoma Applicants Only: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information Please check here to have a copy of your consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-report sent directly to you.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx , has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for the FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES Section 629 15 U.S.C. 1681y NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx.

LIABILITY FOR VIOLATIONS OF THE FCRA. A. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice SIGNATURE DATE EXHIBIT B TO END USER SERVICE AGREEMENT: SUBSCRIBER PROFILE Company Name: Company Address: Telephone Number: Company Website: Employers Federal Tax ID # or Employer Identification Number: : Number of Furnisher Responsibilities This appendix prescribes the content Employees: Date Established: Please circle one: Corporation Partnership Individually Owned Name of the required notice. NOTICES Owner: Please list persons authorized to order STERLING INFOSYSTEMS services: EXHIBIT C TO FURNISHERS OF INFORMATIONEND USER SERVICE AGREEMENT: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of CONSENT TO OBTAIN CONSUMER REPORT ON SUBSCRIBER WHERE SUBSCRIBER IS A SOLE PROPRIETOR OR PARTNERSHIP I understand that you may obtain consumer reports must comply with all applicable regulationsthat relate to my credit and/or criminal history. This information will, including regulations promulgated after this notice was first prescribed in 2004whole or in part, be obtained from STERLING INFOSYSTEMS, 0000 Xxx Xxxx Xxxx, 0xx xxxxx, Xxxxxxxxxxxx, XX 00000, telephone 000.000.0000. Information about applicable regulations currently I understand that you may be requesting information from various federal, state and other agencies or institutions, which maintain public and non-public records concerning my past activities relating to my credit and/or criminal history. I authorize, without reservation, any party, institution, or agency contacted by STERLING INFOSYSTEMS to furnish the above mentioned information: / / - - Applicant Name Date of Birth* Social Security Number *Date of Birth is requested in effect can be found at the Consumer Financial Protection Bureau’s websiteorder to obtain accurate retrieval of records. Alias/Previous Name(s) Current Physical Address City & State Zip Code California, NOTICE TO FURNISHERS OF INFORMATIONMinnesota & Oklahoma Applicants Only: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information Please check here to have a copy of your consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-report sent directly to you.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), Section 629 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. 619 The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 1681 et seq.: Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 602 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Section 614 604 15 U.S.C. 1681l 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Xxxxxxx 000 00 X.X.X. 0000x XXX: 0000 XXXX: 248707 Section 605A 15 U.S.C. 1681cA Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 000X 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x-0 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), Section 627 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in 1681w Section 623 of the FCRA, 613 15 U.S.C. § 1681s-1681k Xxxxxxx 000 00 X.X.X. 0000x Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x EID: 0000 XXXX: 248707 CONFIDENTIAL TREATMENT HAS BEEN REQUESTED COMMERCIAL CAPTURE XPRESS SERVICES ADDENDUM

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: . Section602 Xxxxxxx 000 00 X.X.X. 0000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Section 605A 614 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 1681l Xxxxxxx 000 000X 00 X.X.X. 0000x Section 607 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 616 15 U.S.C. 1681k 1681n Xxxxxxx 000 00 X.X.X. 0000x Section 614 617 15 U.S.C. 1681l 1681o Section 608 15 U.S.C. 1681f Section 618 15 U.S.C. 1681p Section 609 15 U.S.C. 1681g Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 12 Section 618 611 15 U.S.C. 1681p 1681i Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” To: SERVICE AGREEMENT Appendix M to Part 1022 All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau’s website, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. § 1681s-

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: . Section602 Xxxxxxx 000 Xxxxxxx 000 00 X.X.X. 0000 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Section 614 15 U.S.C. 1681l Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 604 15 U.S.C. 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 605A 616 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 1681n Xxxxxxx 000 00 X.X.X. 0000x Section 607 617 15 U.S.C. 1681e Xxxxxxx 000 00 X.X.X. 0000x 1681o Section 608 15 U.S.C. 1681f Section 618 15 U.S.C. 1681p Section 609 15 U.S.C. 1681g Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x-0 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Prescribed Notice 15 U.S.C. 1681 15 U.S.C. 1681a AUTHORIZATION FOR RELEASE OF INFORMATION Applicant Name: First Middle Last Maiden Address: City State Zip Phone # Date of Furnisher Responsibilities Birth: Social Security # Drivers License # State Issued: University/Trade School/ etc Attended: Major/Field of Study: Dates Attended: Your application for employment has been received by . Company Name This appendix prescribes disclosure is for the content sole purpose of informing you that a Consumer Report (background check) may be obtained in connection with your application and for and/or continued Volunteer status with the company. A consumer report and/or an investigative consumer report may be used include: Identity verification, criminal background, police records, motor vehicle record, employment history, general reputation, education verification, license verification, personal characteristics and/or character worthiness etc. Upon request you will be provided a copy of the required noticereport with the name address and telephone number of the reporting agency, a summary of your rights under the Fair Credit Reporting Act, as well as additional information on your rights under the law. NOTICES TO FURNISHERS OF INFORMATIONI hereby authorize ACUTRAQ Background Screening to obtain any or all the information listed above. And I authorize the release of any or all of the information listed above. Applicant Signature: OBLIGATIONS OF FURNISHERS UNDER THE FCRA ATTACHMENT “B” ToDate: SERVICE AGREEMENT Appendix M 0000 Xxxxxxx 0000 Xxxxx, XX 00000 Phone 000-000-0000 Fax 000-000-0000 Email xxxxxxx@xxxxxxxxxx.xxx web xxxxxxx.xxx ACCESS SECURITY REQUIREMENTS We must work together to Part 1022 All furnishers protect the privacy of consumers. The following measures are designed to reduce unauthorized access of consumer credit reports. In accessing ACUTRAQ services, you agree to follow these measures: • You must protect your ACUTRAQ USER ID and password so that only key personnel employed by your company know this sensitive information. Unauthorized persons should never have knowledge of your password. Do not post this information in any manner within your facility. If a person who knows the password leaves your company or no longer needs to have it due to a change in duties, the password should be changed immediately. • Do not share passwords with co-workers, friends, or family. • Do not discuss your ACUTRAQ USER ID and password by telephone with any unknown caller, even if the caller claims to be an employee of ACUTRAQ. • Restrict the ability to obtain reports to a few key personnel. • After normal business hours, be sure to turn off and lock all devices or systems used to obtain report information. • Secure hard copies and/or electronic files of consumer reports within your facility so that unauthorized persons cannot easily access them. • Shred or destroy all hard copy consumer reports when no longer needed. • Make all employees aware that your company can access credit, and other report information only for the permissible purposes listed in the Permissible Purpose Information section of your membership application. rep • You or your employees/volunteers may not access their own reports. Nor should you or your employees access the of a family member or friend unless it is in connection with a transaction for the permissable purpose. • Do not send sensitive data through email, such as consumer’s SSN, account numbers, actual credit reports, etc. unless data is encrypted. • In the event of a compromised system, notify ACUTRAQ immediately and take necessary steps to ensure no other credit reports are accessed using comprised system. Record Retention: The Federal Equal Opportunities Act states that a creditor/employer must comply preserve all written or recorded information connected with all applicable regulationsan application for five (5) years. In keeping with the ECOA, including regulations promulgated after this notice was first prescribed in 2004ACUTRAQ requires that you retain the credit/employment application and, if applicable, a lease/employment contract for a period of not less than 5 years. Information about applicable regulations currently in effect can be found at When conducting an investigation, particularly following a consumer complaint that your company impermissibly accessed their credit report, ACUTRAQ will contact you and will request a copy of the Consumer Financial Protection Bureau’s websiteoriginal application signed by the consumer or, NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act if applicable, a copy of the lease/employment contract. “Under Section 621 (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies a) (CRAs). These responsibilities are found in Section 623 2) (A) of the FCRA, 15 U.S.C. § 1681s-any person that violates any of the provisions of the FCRA may be liable for a civil penalty of not more than $2,500 per violation and/or 2 years in prison.” COMPANY/ORGANIZATION EMAIL ADDRESS OF NEW USER SIGNATURE OF USER PRINTED NAME OF USER (Please Print Clearly)