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. The FTC’s Web site, xxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 610 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q Xxxxxxx 000 00 X.X.X. 0000x Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 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 Section 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x Section 629 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, 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 FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.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. § 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 610 605A 15 U.S.C. 168S1ehction 1681c-1 Section 618 605B 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 625 607 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 609 15 U.S.C. 1681cA 1681g Section 605B15 610 15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA Appendix M to protect the privacy and Part 1022 The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information of consumers. The following information security measures are designed to reduce unauthorized access to consumer informationreporting agencies (CRAs). It is your responsibility to implement these controls. If you do not understand these requirements or need assistanceThese responsibilities are found in Section 623 of the FCRA, 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements: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 FTCBureau of Consumer Financial Protection’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers0000x Section 629 15U.S.C.1681y Para información en español, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 X Xxxxxx, X.X., Xxxxxxxxxx, XX 00000. The following federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information security measures in the files of consumer reporting agencies. There are designed 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, including information about additional rights, go to reduce unauthorized access 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 consumer 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. It • You have the right to know what is in your responsibility 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 implement these controlsprovide 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-worthiness based on information 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 do 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 understand these requirements 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 assistance– usually to consider an application with a creditor, it 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 your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given not required in the Glossary attached heretotrucking industry. The 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 (0-000-000-0000). • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency reserves violates the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s servicesFCRA, you agree may be able to follow these security requirements: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. x. Xxxxx, savings associations, and credit unions with total assets of over $10 billion and their affiliates. b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: a. Consumer Financial Protection Bureau 0000 X Xxxxxx XX Xxxxxxxxxx, XX 00000 b. Federal Trade Commission: Consumer Response Center – FCRA Xxxxxxxxxx, XX 00000 (877) 382-4357 2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions a. Office of the Comptroller of the Currency Customer Assistance Group 0000 XxXxxxxx Xxxxxx, Suite 3450 Houston, TX 77010-9050 b. Federal Reserve Consumer Help Center X.X. Xxx 0000 Xxxxxxxxxxx, XX 00000 c. FDIC Consumer Response Center 0000 Xxxxxx Xxxxxx, Xxx #00 Xxxxxx Xxxx, XX 00000 d. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000 3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 0000 Xxx Xxxxxx Xxx, X.X. Xxxxxxxxxx, XX 00000 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 000 X Xxxxxx, X.X. Xxxxxxxxxx, XX 00000 5. Creditors Subject to Packers and Xxxxxxxxxx Xxx, 0000 Nearest Packers and Stockyards Administration area supervisor 6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration 000 Xxxxx Xxxxxx, XX, 0xx Xxxxx Xxxxxxxxxx, XX 00000 7. Brokers and Dealers Securities and Exchange Commission 000 X Xx XX Xxxxxxxxxx, XX 00000 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations Farm Credit Administration 0000 Xxxx Xxxxxx Xxxxx XxXxxx, XX 00000-0000 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA Xxxxxxxxxx, XX 00000 (877) 382-4357

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 FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.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 604 15 U.S.C. § 1681 et seq.: Section 602 15 U.S.C. 1681 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 604 605A 15 U.S.C. 1681b 1681c-1 Section 605 605B 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 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA Appendix M to protect the privacy and Part 1022 The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681-1681y, imposes responsibilities on all persons who furnish information of consumers. The following information security measures are designed to reduce unauthorized access to consumer informationreporting agencies (CRAs). It is your responsibility to implement these controls. If you do not understand these requirements or need assistanceThese responsibilities are found in Section 623 of the FCRA, 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements: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 FTCBureau of Consumer Financial Protection’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers0000x Section 629 15U.S.C.1681y Para información en español, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 X Xxxxxx, X.X., Xxxxxxxxxx, XX 00000. The following federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information security measures in the files of consumer reporting agencies. There are designed 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, including information about additional rights, go to reduce unauthorized access 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 consumer 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. It • You have the right to know what is in your responsibility 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 implement these controlsprovide 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-worthiness based on information 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 do 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 understand these requirements 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 assistance– usually to consider an application with a creditor, it 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 your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given not required in the Glossary attached heretotrucking industry. The 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 (1-888-567-8688). • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency reserves violates the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s servicesFCRA, you agree may be able to follow these security requirements: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. x. Xxxxx, savings associations, and credit unions with total assets of over $10 billion and their affiliates. b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: a. Consumer Financial Protection Bureau 0000 X Xxxxxx XX Xxxxxxxxxx, XX 00000 b. Federal Trade Commission: Consumer Response Center – FCRA Xxxxxxxxxx, XX 00000 (877) 382-4357 2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions a. Office of the Comptroller of the Currency Customer Assistance Group 0000 XxXxxxxx Xxxxxx, Suite 3450 Houston, TX 77010-9050 b. Federal Reserve Consumer Help Center X.X. Xxx 0000 Xxxxxxxxxxx, XX 00000 c. FDIC Consumer Response Center 0000 Xxxxxx Xxxxxx, Xxx #00 Xxxxxx Xxxx, XX 00000 d. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000 3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 0000 Xxx Xxxxxx Xxx, X.X. Xxxxxxxxxx, XX 00000 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 000 X Xxxxxx, X.X. Xxxxxxxxxx, XX 00000 5. Creditors Subject to Packers and Xxxxxxxxxx Xxx, 0000 Nearest Packers and Stockyards Administration area supervisor 6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration 000 Xxxxx Xxxxxx, XX, 0xx Xxxxx Xxxxxxxxxx, XX 00000 7. Brokers and Dealers Securities and Exchange Commission 000 X Xx XX Xxxxxxxxxx, XX 00000 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations Farm Credit Administration 0000 Xxxx Xxxxxx Xxxxx XxXxxx, XX 00000-0000 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA Xxxxxxxxxx, XX 00000 (877) 382-4357

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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o 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 0000x XXX: 0000 XXXX: 248707 Section 605A 15 U.S.C. 1681cA Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 610 621 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 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 Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 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 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 Section 629 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:EID: 0000 XXXX: 248707

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 FTCBureau of Consumer Financial Protection’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers0000x Section 629 15U.S.C.1681y Para informacion en espanol, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 X Xxxxxx, X.X., Xxxxxxxxxx, XX 00000. The following federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information security measures in the files of consumer reporting agencies. There are designed 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, including information about additional rights, go to reduce unauthorized access 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 consumer 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. It • You have the right to know what is in your responsibility 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 implement these controlsprovide 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-worthiness based on information 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 do 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 understand these requirements 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 assistance– usually to consider an application with a creditor, it 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 your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given not required in the Glossary attached heretotrucking industry. The 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 (0-000-000-0000). • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency reserves violates the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s servicesFCRA, you agree may be able to follow these security requirements: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. x. Xxxxx, savings associations, and credit unions with total assets of over $10 billion and their affiliates. b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: a. Consumer Financial Protection Bureau 0000 X Xxxxxx XX Xxxxxxxxxx, XX 00000 b. Federal Trade Commission: Consumer Response Center – FCRA Xxxxxxxxxx, XX 00000 (877) 382-4357 2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions a. Office of the Comptroller of the Currency Customer Assistance Group 0000 XxXxxxxx Xxxxxx, Suite 3450 Houston, TX 77010-9050 b. Federal Reserve Consumer Help Center X.X. Xxx 0000 Xxxxxxxxxxx, XX 00000 c. FDIC Consumer Response Center 0000 Xxxxxx Xxxxxx, Xxx #00 Xxxxxx Xxxx, XX 00000 d. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000 3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 0000 Xxx Xxxxxx Xxx, X.X. Xxxxxxxxxx, XX 00000 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 000 X Xxxxxx, X.X. Xxxxxxxxxx, XX 00000 5. Creditors Subject to Packers and Xxxxxxxxxx Xxx, 0000 Nearest Packers and Stockyards Administration area supervisor 6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration 000 Xxxxx Xxxxxx, XX, 0xx Xxxxx Xxxxxxxxxx, XX 00000 7. Brokers and Dealers Securities and Exchange Commission 000 X Xx XX Xxxxxxxxxx, XX 00000 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations Farm Credit Administration 0000 Xxxx Xxxxxx Xxxxx XxXxxx, VA 22102-5090 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA Xxxxxxxxxx, XX 00000 (877) 382-4357

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 FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.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 604 15 U.S.C. § 1681 et seq.: Section 602 15 U.S.C. 1681 1681b Xxxxxxx 000 00 X.X.X. 0000x Section 604 605A 15 U.S.C. 1681b 1681c-1 Section 605 605B 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 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA Appendix M to protect Part 1022 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 privacy FCRA, 15 U.S.C. § 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and information of consumersmay 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: The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information security measures are designed provided to 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 heretoCRAs by furnishers. The credit reporting agency reserves regulations and guidelines issued by the right to make changes to Access Security Requirements without notificationCFPB will be available at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx when they are issued. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements: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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 Section 629 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA

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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 610 15 U.S.C. 1681h Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 6l2 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 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 621 618 15 U.S.C. 1681p Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 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 Section 629 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 1681y (a) If any person takes any adverse action with respect to protect any consumer, and the privacy adverse action is based, in whole or in part, on any information contained in a consumer credit report, that person shall do all of the following: (1) Provide written notice of the adverse action to the consumer. (2) Provide the consumer with the name, address, and information telephone number of consumers. The following information security measures are designed to reduce unauthorized access to the 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 agency reserves which furnished the report to the person. (3) Provide a statement that the credit grantor's decision to take adverse action was based in whole or in part upon information contained in a consumer credit report. (4) Provide the consumer with a written notice of the following rights of the consumer: (A) The right of the consumer to obtain within 60 days a free copy of the consumer's consumer credit report from the consumer credit reporting agency identified pursuant to paragraph (2) and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. (B) The right of the consumer under Section 1785.16 to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. (b) Whenever credit or insurance for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or in part because of information obtained from a person other than a consumer credit reporting agency bearing upon consumer's credit worthiness or credit standing, the user of that information shall, within a reasonable period of time, and upon the consumer's written request for the reasons for that adverse action received within 60 days after learning of the adverse action, disclose the nature and substance of the information to the consumer. The user of the information shall clearly and accurately disclose to the consumer his or her right to make changes such a written request at the time the adverse action is communicated to Access Security Requirements without notification. The information provided herewith provides minimum baselines the consumer. (c) No person shall be held liable for information security. In accessing any violation of this section if he or she shows by a preponderance of the credit reporting agency’s services, you agree evidence that at the time of the alleged violation he or she maintained reasonable procedures to follow these security requirements:assure compliance with this section. (d) Nothing in this chapter shall excuse compliance with the requirements of Section 1787.2.

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 FTC’s Web site, xxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x SIGNATURE DATE Company Name: Company Address: Telephone Number: Company Website: Employers Federal Tax ID # or Employer Identification Number: : Number of Employees: Date Established: Please circle one: Corporation Partnership Individually Owned Name of Owner: EXHIBIT C TO END USER SERVICE AGREEMENT: CONSENT TO OBTAIN CONSUMER REPORT ON SUBSCRIBER I understand that you may obtain consumer reports that relate to protect my credit and/or criminal history. This information will, in whole or in part, be obtained from STERLING INFOSYSTEMS, 0000 Xxx Xxxx Xxxx, 0xx xxxxx, Xxxxxxxxxxxx, XX 00000, telephone 000.000.0000. 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 privacy and information above mentioned information: / / - - Applicant Name Date of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Birth* Social Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:Number Alias/Previous Name(s) Current Physical Address City & State Zip Code

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 FTCCFPB’s Web site, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x REQUIREMENT FOR 3RD PARTY EMPLOYMENT/INCOME VERIFICATIONS End-User Agreement is specifically and solely required by Equifax from each subscriber to protect continue their services. • Exhibit A-2 attached • execution of this Addendum E This Addendum, dated as of this 18th day of October , 201_9_, is made to the privacy Master Services End- User Agreement between Xxxx Community College District (“End-User/Subscriber” or “Subscriber” and information of consumers. The following information security measures are designed to reduce unauthorized access to consumer information. It is your responsibility to implement these controls. If you do not understand these requirements or need assistanceits subsidiaries and affiliates) and Xxx-xxxxxx.xxx, 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s servicesInc. (“Pre-employ”), you agree to follow these security requirements:and supplements any other Addenda signed between End-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, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The FTCCFPB’s Web site, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy 0000x Xxxxxxx 000 00 X.X.X. 0000x *Certain Sections of this Exhibit and information of consumerssub-exhibits call for initials, signatures, addresses, and other information. The following information security measures are designed to 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 signatures at the meaning given in end of the Glossary attached hereto. The credit reporting agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agencySubscriber Agreement shall specifically constitute agreement with all provisions of this Equifax Exhibit and it’s services, you agree to follow these security requirements:sub-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 FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. U.S.C § 1681 1618 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 610 605A 15 U.S.C. 168S1ehction 1681c-1 Section 618 6058 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 625 607 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 609 15 U.S.C. 1681cA 1681g Section 605B15 610 15 U.S.C. 1681cB 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 Section 629 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers168y Para información en español, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. The following federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information security measures in the files of consumer reporting agencies. There are designed 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 FCRA. For more information, including information about additional rights, go to reduce unauthorized access 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 consumer 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. It  You have the right to know what is in your responsibility 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 implement these controlsprovide 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 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 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 do not understand these requirements identify information in your file that is incomplete or need assistanceinaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is your responsibility to employ frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an outside service provider to assist youexplanation of dispute procedures. Capitalized terms used herein have the meaning given in the Glossary attached hereto Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. The credit Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency reserves the right may continue to make changes to Access Security Requirements without notification. The report information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:it has verified as accurate.

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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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, Xxxxxxx 000 Xxxxxxx 000 00 X.X.X. 0000 15 U.S.C. § 1681 et seq.: 1681a Section 602 604 15 U.S.C. 1681 1681b Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 604 607 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 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q Xxxxxxx 000 00 X.X.X. 0000x Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x Para información en español, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, X.X. 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: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, X.X. 00000. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft. 1. You have the right to ask that nationwide consumer reporting agencies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the privacy three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file. 2. You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of consumersthe FCRA. The following information security measures are designed See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. 3. You have the right to reduce unauthorized access obtain documents relating to consumer fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a policy report, and an affidavit before giving you the documents. It is may also specify an address for you to send your responsibility request. Under certain circumstances, a business can refuse to implement provide you with these controlsdocuments. See 4. You have the right to obtain information from a debt collector. If you do not understand these requirements or need assistanceask, it is a debt collector must provide you with certain information about the debt you believe was incurred in your responsibility to employ name by an outside service provider to assist youidentity thief – like the name of the creditor and the amount of the debt. 5. Capitalized terms used herein If you believe information in your file results from identity theft, you have the meaning given in the Glossary attached hereto. The credit reporting agency reserves the right to make changes ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to Access Security Requirements without notificationask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. 6. You also may prevent businesses from reporting information provided herewith provides minimum baselines for about you to consumer reporting agencies if you believe the information securityis a result of identity theft. In accessing To do so, you must send your request to the credit address specified by the business that reports the information to the consumer reporting agency’s services, . The business will expect you agree to follow these security requirements:identify what information you do not want reported and to provide an identity theft report.

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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 608 618 15 U.S.C. 168S1efctio Section 616 15 U.S.C. 1681n 1681p Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx Xxx 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 610 621 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 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 Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w DocuSign Envelope ID: ED91BD51-D4EA-467E-96DE-65597EB9B10E DocuSign Envelope ID: 1519D74C-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 621 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x Section 629 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumersDocuSign Envelope ID: 1519D74C-EF7C-4B6C-9C16-06AEF434CEE6 Para información en español, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. The following federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information security measures in the files of consumer reporting agencies. There are designed 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 FCRA. For more information, including information about additional rights, go to reduce unauthorized access 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 consumer 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. It • You have the right to know what is in your responsibility 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 implement these controlsprovide 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 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 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 do 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 understand these requirements 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 assistance– usually to consider an application with a creditor, it 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 DocuSign Envelope ID: 1519D74C-EF7C-4B6C-9C16-06AEF434CEE6 employer. Written consent generally is your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given not required in the Glossary attached heretotrucking 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 form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (0-000-000-0000). • The credit following FCRA right applies with respect to nationwide consumer reporting agency reserves agencies: Consumers Have the Right To Obtain a Security Freeze As an alternative to a security freeze, you have the right to make changes place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to Access Security Requirements without notificationtake steps to verify the consumer’s identity before extending new credit. The If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information provided herewith provides minimum baselines in your credit report for information securitythe purposes of reviewing or collecting the account. In accessing Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. • You may seek damages from violators. If a consumer reporting agency’s services, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you agree may be able to follow these security requirements:sue in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit 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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx , has more information about the FCRA, including publications for businesses and full text of the FCRA. Citations for FCRA sections in the U.S. Code, Section 603 15 U.S.C. § 1681 et seq.: 1681a Section 602 604 15 U.S.C. 1681 1681b Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 604 607 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 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q Xxxxxxx 000 00 X.X.X. 0000x Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:0000x 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 FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x The undersigned, County Board of Arlington County (“Agency”), acknowledges that it subscribes to protect receive various information services from Equifax Workforce Solutions LLC, provider of Equifax Verification Services (“EVS”), in accordance with the privacy Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and information of consumersthe federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. The following information security measures are designed to reduce unauthorized access to consumer information. It is your responsibility to implement these controls. If you do not understand these requirements or need assistanceseq., it is your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have as amended (the meaning given in the Glossary attached hereto. The credit reporting agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security“FCRA”), and its other state law counterparts. In accessing the credit reporting agency’s servicesconnection with Agency's continued use of EVS services in relation to Vermont consumers, you agree to follow these security requirementsAgency 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 FTC’s Web siteCFPB’swebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 610 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q Xxxxxxx 000 00 X.X.X. 0000x Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 616 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 1681n Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 613 15 U.S.C. 1681k 618 15U.S.C. 1681p Xxxxxxx 000X 00 X.X.X. 0000xX Section 614 15 U.S.C. 1681l 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 Section 623 15U.S.C. 1681s-2 Xxxxxxx 000 00 X.X.X. 0000x Section 624 15U.S.C. 1681t Xxxxxxx 000 00 X.X.X. 0000x Section 625 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 15U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 629 15 U.S.C. 15U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We 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, 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 work together 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 protect deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the privacy name, address, and information phone number of consumers. The following information security measures are designed to reduce unauthorized access to consumer the agency that provided the information. It • You have the right to know what is in your responsibility 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 implement these controlsprovide 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 unemployed but expect to apply for employment within 60 days. In addition, by September, 2005 all 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 www.consumer xxxxxxx.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 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 do 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.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 understand these requirements 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 assistance– usually to consider an application with a creditor, it 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 your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given not required in the Glossary attached heretotrucking industry. The 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 on which these offers are based. You may opt‐ out with the nationwide credit bureaus at 1‐ 800‐392‐7816. • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency reserves violates the right FCRA, you may be able to make changes to Access Security Requirements without notificationsue in state or federal court. The information provided herewith provides minimum baselines for information security• 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 accessing the credit reporting agency’s servicessome cases, you agree 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: 1.x. Xxxxx, savings associations, and credit unions with total assets of over $10 billion and their affiliates b. Such affiliates that are not banks, savings associations, or credit unions also should list, IX.Consumer Financial Protection Bureau 0000 X. Xxxxxx X.X. Xxxxxxxxxx, XX 00000 X. Federal Trade Commission: Consumer Response Center FCRA in addition to follow these security requirements:the CFPB: Xxxxxxxxxx, XX 00000 (877) 382-4357

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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect 0000x Xxxxxxx 000 00 X.X.X. 0000x DocuSign Envelope ID: 51738651-7D4F-49F6-92BC-819839070612 Exhibit C – A Summary of Your Rights Under the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:Fair Credit Reporting 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 FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 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 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 610 605A 15 U.S.C. 168S1ehction 1681c-1 Section 618 605B 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681c-2 Xxxxxxx 000 00 X.X.X. 0000x Section 625 607 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 609 15 U.S.C. 1681cA 1681g Section 605B15 610 15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:0000x 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 FTC’s Web site, xxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 Section 629 15 U.S.C. 1681y Xxxxxxx ATTACHMENT H SAMPLE REMEDYING THE EFFECTS OF IDENTITY THEFT 0000 X. Xxxxxxxxx Xxxx. Xxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 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 Para informacion en espanol, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 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: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft. 1. You have the right to ask that nationwide consumer reporting agencies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect the privacy and information of consumers. The following information security measures are designed to reduce unauthorized access to consumer informationyou. It is also may delay your responsibility ability to implement obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file. ◾ Equifax: 0-000-000-0000; xxx.xxxxxxx.xxx ◾ Experian: 0-000-000-0000; xxx.xxxxxxxx.xxx ◾ TransUnion: 0-000-000-0000; xxx.xxxxxxxxxx.xxx An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either of these controlsalerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security number. If you do not understand these requirements ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or need assistancelocal law enforcement agency, 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 and additional information a consumer reporting agency reserves may require you to submit. For more detailed information about the identity theft report, visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. 2. You have the right to make changes free copies of the information in your file (your "file disclosure"). An initial fraud alert entitles you to Access Security Requirements without notificationa copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12-month period following the placing of the alert. The These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the information provided herewith provides minimum baselines for information security. In accessing the credit in your file at any consumer reporting agency’s services, if you agree believe it has inaccurate information due to follow these security requirements:fraud, such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See 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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:0000x Xxxxxxx 000 00 X.X.X. 0000x 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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:0000x 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. The FTC’s Web site, xxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and full text of the FCRASection 619. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:0000x Xxxxxxx 000 00 X.X.X. 0000x [**CONFIDENTIAL**]

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. The FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000; Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx Xxx 0000x; Xxxxxxx 000 00 X.X.X. 0000x Section 610 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 0000x; Xxxxxxx 000 00 X.X.X. 0000x 0000x; Xxxxxxx 000X 00 X.X.X. 0000x-0; Section 625 605B 15 U.S.C. 1681u 1681c-2; Section 606 15 U.S.C. 1681d; Xxxxxxx 000 00 X.X.X. 0000x 0000x; Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 Section 621 15 U.S.C. 1681s 0000x; Xxxxxxx 000 00 X.X.X. 0000x-0 0000x; Xxxxxxx 000 00 X.X.X. 0000x Section 629 15 U.S.C. 1681y 0000x; Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m 0000x; Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumers0000x; 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; 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, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. The following federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information security measures in the files of consumer reporting agencies. There are designed 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, including information about additional rights, go to reduce unauthorized access 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 consumer 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. It • You have the right to know what is in your responsibility 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 implement these controlsprovide 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 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 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 do 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 understand these requirements 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 assistance– usually to consider an application with a creditor, it 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 your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given not required in the Glossary attached heretotrucking industry. The 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 1-888-5678688. • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a • user of consumer reports or a furnisher of information to a consumer reporting agency reserves violates the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s servicesFCRA, you agree may be able to follow these security requirements: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. 1.x. Xxxxx, savings associations, and credit unions with total assets of over $10 billion and their affiliates. a. Consumer Financial Protection Bureau 0000 X Xxxxxx X.X. Xxxxxxxxxx, XX 00000

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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 608 618 15 U.S.C. 168S1efctio Section 616 15 U.S.C. 1681n 1681p Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx Xxx 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 610 621 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 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 Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l 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 1681l Section 629 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together to protect the privacy and information of consumersPara informacion en espanol, visite xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx o escribe a la Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. The following federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information security measures in the files of consumer reporting agencies. There are designed 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, including information about additional rights, go to reduce unauthorized access 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 consumer 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. It • You have the right to know what is in your responsibility 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 implement these controlsprovide 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 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 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 do 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 understand these requirements 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 assistance-- usually to consider an application with a creditor, it 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 your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have the meaning given not required in the Glossary attached heretotrucking industry. The 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 (1-888-567-8688). • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency reserves violates the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s servicesFCRA, you agree may be able to follow these security requirements: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. 1.x. Xxxxx, savings associations, and credit unions with total assets of over $10 billion and their affiliates: b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the Bureau: a. Bureau of Consumer Financial Protection 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000 b. Federal Trade Commission: Consumer Response Center- XXXX Xxxxxxxxxx, XX 00000 (877) 382-4357

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 FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 1618 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 608 618 15 U.S.C. 168S1efctio 1681p Section 616 605A 15 U.S.C. 1681n Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx Xxx 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 610 621 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 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 Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 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 Xxxxxxx 000 00 X.X.X. 0000x Section 621 The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681s Xxxxxxx 000 00 X.X.X. 0000x-0 Xxxxxxx 000 00 X.X.X. 0000x § 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 629 623 of the FCRA, 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 Section 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together § 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to protect CRAs should become familiar with the privacy applicable laws and information of consumersmay 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: The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information security measures are designed provided to 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 heretoCRAs by furnishers. The credit reporting agency reserves regulations and guidelines issued by the right 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 make changes a CRA that they know or have reasonable cause to Access Security Requirements without notificationbelieve is inaccurate. The 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 provided herewith provides minimum baselines for information securityis inaccurate. In accessing the credit reporting agency’s services, you agree to follow these security requirements: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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x The undersigned, (“Company”), acknowledges that it subscribes to protect receive various information services from TALX Corporation, provider of Equifax Verification Services (“EVS”), in accordance with the privacy Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and information of consumersthe federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. The following information security measures are designed to reduce unauthorized access to consumer information. It is your responsibility to implement these controls. If you do not understand these requirements or need assistanceseq., it is your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have as amended (the meaning given in the Glossary attached hereto. The credit reporting agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security“FCRA”), and its other state law counterparts. In accessing the credit reporting agency’s servicesconnection with Company's continued use of EVS services in relation to Vermont consumers, you agree to follow these security requirementsCompany 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 FTCCFPB’s Web sitewebsite, xxx.xxx.xxx/xxxxxxxxx.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, Xxxxxxx 000 Xxxxxxx 000 00 X.X.X. 0000 15 U.S.C. § 1681 et seq.: 1681a Section 602 604 15 U.S.C. 1681 1681b Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000X 00 X.X.X. 0000x-X Xxxxxxx 000 00 X.X.X. 0000x Section 604 607 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 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q Xxxxxxx 000 00 X.X.X. 0000x Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x Section 605A15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 Section 629 15 U.S.C. 1681y Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 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 615 15U.S.C. 1681m Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 623 of the FCRA, 15 U.S.C. § 1681s-2. State law may impose additional requirements on furnishers. All furnishersof information to protect CRAs should become familiar with the privacy applicable laws and information of consumersmay 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: The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information security measures provided to CRAs by furnishers. Federal regulations and guidelines are designed to reduce unauthorized access to consumer informationavailableat xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. 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 heretoSection 623(e). The credit reporting agency reserves FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the right furnisher is not subject to make changes this general prohibition if it clearly and conspicuously specifies an address to Access Security Requirements without notificationwhich consumers may write to notify the furnisher that certain information is inaccurate. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements: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 FTC’s Web siteConsumer Financial Protection Bureau website, xxx.xxx.xxx/xxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x The undersigned, CareerSource Broward (“Agency”), acknowledges that it subscribes to protect receive various information services from TALX Corporation, provider of Equifax Verification Services (“EVS”), in accordance with the privacy Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and information of consumersthe federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. The following information security measures are designed to reduce unauthorized access to consumer information. It is your responsibility to implement these controls. If you do not understand these requirements or need assistanceseq., it is your responsibility to employ an outside service provider to assist you. Capitalized terms used herein have as amended (the meaning given in the Glossary attached hereto. The credit reporting agency reserves the right to make changes to Access Security Requirements without notification. The information provided herewith provides minimum baselines for information security“FCRA”), and its other state law counterparts. In accessing the credit reporting agency’s servicesconnection with Agency's continued use of EVS services in relation to Vermont consumers, you agree to follow these security requirementsAgency 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 FTC’s Web site, xxx.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. § 1681 et seq.: Section 602 15 U.S.C. 1681 Xxxxxxx 000 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 0000x Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000X 00 X.X.X. 0000xX Xxxxxxx 000 00 X.X.X. 0000x Section 610 607 15 U.S.C. 168S1ehction Section 618 15 U.S.C. 1681p Section 611 15 U.S.C. 168S1eiction Section 619 15 U.S.C. 1681q 1681e Xxxxxxx 000 00 X.X.X. 0000x Section 625 609 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 0000x Xxxxxxx 000 00 X.X.X. 0000x 1681g Section 605A15 610 15 U.S.C. 1681cA Section 605B15 U.S.C. 1681cB 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 0000x-0 Section 629 624 15 U.S.C. 1681y 1681t Section 625 15 U.S.C. 1681u Xxxxxxx 000 00 X.X.X. 000X0xxxxxxx 615 0000x Section 615 15U.S.C. 1681m 627 15 U.S.C. 1681w Xxxxxxx 000 00 X.X.X. 0000x-0 We must work together 0000x Xxxxxxx 000 00 X.X.X. 0000x SIGNATURE DATE Company Name: Company Address: Telephone Number: Company Website: Employers Federal Tax ID # or Employer Identification Number: : Number of Employees: Date Established: Please circle one: Corporation Partnership Individually Owned Name of Owner: EXHIBIT C TO END USER SERVICE AGREEMENT: CONSENT TO OBTAIN CONSUMER REPORT ON SUBSCRIBER I understand that you may obtain consumer reports that relate to protect my credit and/or criminal history. This information will, in whole or in part, be obtained from AISS, a Sterling Infosystems Company, 0000 Xxx Xxxx Xxxx, 0xx xxxxx, Xxxxxxxxxxxx, XX 00000, telephone 000.000.0000. 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 privacy and information above mentioned information: / / - - Applicant Name Date of consumers. The following information security measures are designed to 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 agency reserves the right to make changes to Access Birth* Social Security Requirements without notification. The information provided herewith provides minimum baselines for information security. In accessing the credit reporting agency’s services, you agree to follow these security requirements:Number Alias/Previous Name(s) Current Physical Address City & State Zip Code