Common use of EXPERIAN POLICIES AND PROCEDURES Clause in Contracts

EXPERIAN POLICIES AND PROCEDURES. In addition to the requirements set forth in Section 4.2, Reseller agrees to the following: 4.3.1 Reseller agrees to comply with Experian's policies and procedures as announced by Experian from time to time in writing, including but not limited to those attached to this Agreement entitled "Specialized Sales Channels Consumer Review Service Requirements for Intersections)" dated June 12, 2003 (the "CRSR"). In the event of any direct conflict between the CRSR and this Agreement, the CRSR shall govern. 4.3.2 Reseller acknowledges and agrees that Experian requires that Reseller block the display of certain information to Inquiring Consumer, as prescribed in the CRSR, and Reseller agrees to not provide such information to the Inquiring Consumer. 4.3.3 Experian may from time to time notify Reseller of additional, updated or new requirements compliance with which will be a condition of Experian's continued provision of Services to Reseller. Reseller agrees to comply with such requirements as to which it has received notice from Experian and such shall be incorporated into this Agreement by this reference. 4.3.4 Reseller understands and agrees that Experian may require evidence, including a certification, that Reseller understands and will comply with applicable laws and Experian policies and procedures. Entities that provide credit counseling services may, in Experian's sole discretion, be approved or disapproved as a Reseller for the purpose of resales directly to Inquiring Consumers. Approved Resellers offering credit counseling services must (i) maintain an accreditation from an accreditation agency, as prescribed in the CRSR; (ii) be properly licensed, if required by state; (iii) not have a negative compliance history with Experian; and (iv) comply in all other respects with Experian policy and procedures. 4.3.5 Reseller agrees to maintain trained personnel at each of its places of business authorized to resell directly to Inquiring Consumers, and to have one or more toll free telephone numbers and lines dedicated to supporting resales to Inquiring Consumers as may be necessary to assure prompt and proficient service levels. Reseller's personnel must at a minimum meet the training requirements established by Experian. Reseller agrees to obtain at its expense such training and education concerning applicable legal requirements and Experian policies and procedures as Experian may reasonably request. Training made available to Reseller by Experian is provided as a service to Reseller, and does not replace or waive Reseller's compliance obligations under the law or this Agreement. Reseller acknowledges and agrees that such training does not constitute, or substitute for, legal advice, and Reseller should consult with its own legal counsel. 4.3.6 Reseller will institute and maintain strict procedures and provide training and training materials in order to ensure that its employees do not furnish the Services (or information therein) except in compliance with the requirements of the FCRA, this Agreement and the CRSR. Reseller will provide Experian the opportunity to review and approve or disapprove (in its sole discretion) all such materials prior to their use.

EXPERIAN POLICIES AND PROCEDURES. In addition to the requirements set forth in Section 4.2, Reseller FAC agrees to the following: 4.3.1 Reseller FAC agrees to comply with Experian's policies and procedures as announced by Experian from time to time in writingtime, including but not limited to those attached to this Agreement entitled "Specialized Sales Channels Consumer Review Service Requirements Experian Permissible Purpose Guidelines for Intersections)Resellers" dated June 12and "Experian Permissible Purpose Type Codes." FAC also agrees to conduct a thorough investigation of its customers and potential customers to confirm that each has a "permissible purpose" for receiving the Services, 2003 (and otherwise complies with applicable laws and Experian policies. FAC's investigation will include at a minimum all of the actions listed on the "CRSR")End User Investigation Requirements" form, a copy of which is attached hereto, before giving a customer access to the Services. In the event FAC agrees to provide to Experian at Experian's request all materials and information relating to its investigations of any direct conflict between the CRSR and this Agreement, the CRSR shall governits customers. 4.3.2 Reseller FAC acknowledges and agrees that Experian requires may itself, or may require that Reseller FAC, block the display of certain account numbers or other information to Inquiring Consumer, as prescribed in the CRSRFAC and FAC's customers, and Reseller FAC agrees to not provide such information to the Inquiring Consumerits customers. 4.3.3 Experian may from time to time notify Reseller FAC of additional, updated or new requirements compliance with which will be a condition of Experian's continued provision of Services to ResellerFAC. Reseller FAC agrees to comply with such requirements as to which it has received notice from Experian and such shall be incorporated into this Agreement by this reference. 4.3.4 Reseller FAC understands and agrees that Experian may require evidence, including a certification, that Reseller FAC understands and will comply with applicable laws and Experian policies and procedures. Entities that provide credit counseling services may, in Experian's sole discretion, be approved or disapproved as a Reseller for the purpose of resales directly to Inquiring Consumers. Approved Resellers offering credit counseling services must (i) maintain an accreditation from an accreditation agency, as prescribed in the CRSR; (ii) be properly licensed, if required by state; (iii) not have a negative compliance history with Experian; and (iv) comply in all other respects with Experian policy and procedures. 4.3.5 Reseller agrees to maintain trained personnel at each of its places of business authorized to resell directly to Inquiring Consumers, and to have one or more toll free telephone numbers and lines dedicated to supporting resales to Inquiring Consumers as may be necessary to assure prompt and proficient service levels. Reseller's personnel must at a minimum meet the training requirements established by Experian. Reseller FAC agrees to obtain at its expense such training and education concerning applicable legal requirements and Experian policies and procedures as Experian may reasonably request. Training made available to Reseller FAC by Experian is provided as a service to ResellerFAC, and does not replace or waive ResellerFAC's compliance obligations under the law or this Agreement. Reseller acknowledges and agrees that such Such training does not constitute, or substitute for, legal advice, and Reseller FAC should consult with its own legal counsel. 4.3.6 Reseller FAC will institute and maintain strict procedures and provide training and training materials in order to ensure for assuring that its employees do not furnish the Services (or information therein) except in compliance with the requirements of the FCRA, FCRA and this Agreement Agreement. FAC will provide training and training materials to its customers to the CRSRextent necessary to assure compliance with the FCRA and this Agreement. Reseller FAC will provide Experian the opportunity to review and approve or disapprove (in its sole discretion) all such materials prior to their use. FAC will enter into written agreements executed by each of FAC's customers requiring compliance by such customers with the terms and conditions of this Agreement. FAC will monitor its customers on an ongoing basis to assure the continued compliance with the requirements of this Agreement by the customer and by FAC and will immediately discontinue the Services to any customer who is not in compliance. 4.3.7 FAC will not mislead consumers or the public, or demean directly or indirectly Experian Inc., its successors or assigns, the Services, other services provided by Experian, the consumer reporting industry, direct marketing industry or other industries in which Experian, its successors and assigns do business. FAC will provide Experian the opportunity to review and approve or disapprove prior to their use or dissemination any and all advertising, marketing, sales and promotional materials, pamphlets, brochures and similar disclosures that relate directly or indirectly to Experian Inc., its successors or assigns, the Services, other services provided by Experian, the consumer reporting industry, direct marketing industry or other industries in which Experian, its successors and assigns do business, or that mention Experian by name.

EXPERIAN POLICIES AND PROCEDURES. In addition to the requirements set forth in Section 4.2, Reseller agrees to the following: 4.3.1 Reseller agrees to comply with Experian's policies and procedures as announced by Experian from time to time in writingtime, including but not limited to those attached to this Agreement entitled "Specialized Sales Channels Consumer Review Service Requirements Experian Permissible Purpose Guidelines for Intersections)Resellers" dated June 12and "Experian Permissible Purpose Type Codes." Reseller also agrees to conduct a thorough investigation of its customers and potential customers to confirm that each has a "permissible purpose" for receiving the Services, 2003 (and otherwise complies with applicable laws and Experian policies. Reseller's investigation will include at a minimum all of the actions listed on the "CRSR")End User Investigation Requirements" form, a copy of which is attached hereto, before giving a customer access to the Services. In the event Reseller agrees to provide to Experian at Experian's request all materials and information relating to its investigations of any direct conflict between the CRSR and this Agreement, the CRSR shall governits customers. 4.3.2 Reseller acknowledges and agrees that Experian requires may itself, or may require that Reseller Reseller, block the display of certain account numbers or other information to Inquiring Consumer, as prescribed in the CRSRReseller and Reseller's customers, and Reseller agrees to not provide such information to the Inquiring Consumerits customers. 4.3.3 Experian may from time to time notify Reseller of additional, updated or new requirements compliance with which will be a condition of Experian's continued provision of Services to Reseller. Reseller agrees to comply with such requirements as to which it has received notice from Experian and such shall be incorporated into this Agreement by this reference. 4.3.4 Reseller understands and agrees that Experian may require evidence, including a certification, that Reseller understands and will comply with applicable laws and Experian policies and procedures. Entities that provide credit counseling services may, in Experian's sole discretion, be approved or disapproved as a Reseller for the purpose of resales directly to Inquiring Consumers. Approved Resellers offering credit counseling services must (i) maintain an accreditation from an accreditation agency, as prescribed in the CRSR; (ii) be properly licensed, if required by state; (iii) not have a negative compliance history with Experian; and (iv) comply in all other respects with Experian policy and procedures. 4.3.5 Reseller agrees to maintain trained personnel at each of its places of business authorized to resell directly to Inquiring Consumers, and to have one or more toll free telephone numbers and lines dedicated to supporting resales to Inquiring Consumers as may be necessary to assure prompt and proficient service levels. Reseller's personnel must at a minimum meet the training requirements established by Experian. Reseller agrees to obtain at its expense such training and education concerning applicable legal requirements and Experian policies and procedures as Experian may reasonably request. Training made available to Reseller by Experian is provided as a service to Reseller, and does not replace or waive Reseller's compliance obligations under the law or this Agreement. Reseller acknowledges and agrees that such training does not constitute, or substitute for, legal advice, and Reseller should consult with its own legal counsel. 4.3.6 Reseller will institute and maintain strict procedures and provide training and training materials in order to ensure for assuring that its employees do not furnish the Services (or information therein) except in compliance with the requirements of the FCRA, FCRA and this Agreement Agreement. Reseller will provide training and training materials to its customers to the CRSRextent necessary to assure compliance with the FCRA and this Agreement. Reseller will provide Experian the opportunity to review and approve or disapprove (in its sole discretion) all such materials prior to their use. Reseller will enter into written agreements executed by each of Reseller's customers requiring compliance by such customers with the terms and conditions of this Agreement. Reseller will monitor its customers on an ongoing basis to assure the continued compliance with the requirements of this Agreement by the customer and by Reseller and will immediately discontinue the Services to any customer who is not in compliance. 4.3.7 Reseller will not mislead consumers or the public, or demean directly or indirectly Experian Information Solutions, Inc., its successors or assigns, the Services, other services provided by Experian, the consumer reporting industry, direct marketing industry or other industries in which Experian, its successors and assigns do business. Reseller will provide Experian the opportunity to review and approve or disapprove prior to their use or dissemination any and all advertising, marketing, sales and promotional materials, pamphlets, brochures and similar disclosures that relate directly or indirectly to Experian, its successors or assigns, the Services, other services provided by Experian, the consumer reporting industry, direct marketing industry or other industries in which Experian, its successors and assigns do business, or that mention Experian by name.