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

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), and its other state law counterparts. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteCFPB’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersignedThis Exhibit contains an Information Services selection list, (“Agency”)overviews of the Information Services that may be provided under this Agreement, acknowledges additional terms and conditions that it subscribes apply to receive various information services from TALX Corporation, provider those Information Services and other special terms and conditions that may affect the provision of Equifax Verification Information Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seqto Qualified Subscriber., as amended (the “FCRA”), and its other state law counterparts. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply tocomply with the FCRA can result in state government or federal government enforcement actionsenforcementactions, as es well as private lawsuits. Sections 616, 617, and Seqtwns 616,617,and 621. In additionInaddition, any person anyperson who knowingly and willfully obtains a obtainsa consumer report under false reportunderfalse pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB,s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxwww.consume xxxxxxxx.xxx/xxxx more, has more information about the FCRA, including publications for businesses lllld thefull text of the FCRA. Citations for FCRA sect.ions in the U.S. Code, 15 U.S.C. § 1681etseq,: Section 602 15 U,S.C. 1681 Section60315 U.S.C.1681a Section 60415 U.S.C.1681b Section 605 15 U.S.C. 1681 1681c Section 605A15U.S.C. 1681cA Section 605B 15 U.S.C.1681cB · ·Section 606 15 U.S.C.1681d Section 607 15 U.S.C. 168le Section 608 15 U.S.C. 1681f Section 60915U.S.C. 1681g Section 61115 U.S.C.168li Section 61215 U.S.C. 1681j Section 61315 U.S.C. 1681k Section 61415 U.S.C.16811 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 61615U.S.C. 1681n Section 604 15 61715 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c 16810 Section 618 15 U.S.C. 1681p 168lp Section 605A 15 U.S.C. 1681cA Section 619 15 61915 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 1:5 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 62115 U.S.C. 1681s Section 607 15 62215 U.S.C. 1681e 168ls-1 Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 62315 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681u.s.c.1681t Section 610 15 U.S.C. 1681h Section 625 15 62515 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j 62615 U.S.C.168lv Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 62815 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 62915 U.S.C. 1681y The undersigned, (“"Agency”"), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), and its other state law counterparts. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows:TALX

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Bureau of Consumer Financial Protection Bureau Protection’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q 1681c-A Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r 1681c-B Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y 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 undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and 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, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-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 identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (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 violates the FCRA, you may be able to 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. 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 Washington, DC 00000 (000) 000-0000 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 P.O. Box 1200 Minneapolis, MN 55480 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. Washington, DC 20590 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 000 X Xxxxxx, X.X. Washington, DC 20423 5. Creditors Subject to Packers and Stockyards Act, 151921 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, U.S.C. 1681 etXX, 0xx Xxxxx Xxxxxxxxxx, XX 00000 7. seq.Brokers and Dealers Securities and Exchange Commission 000 X Xx XX Xxxxxxxxxx, as amended (the “FCRA”)XX 00000 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and its other state law counterpartsProduction Credit Associations Farm Credit Administration 0000 Xxxx Xxxxxx Xxxxx XxXxxx, XX 00000-0000 9. In connection with Agency's continued use of Contractor services Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in relation to Vermont consumerswhich the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA Washington, Agency hereby certifies as follows:DC 00000 (000) 000-0000

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C § 1618 et seq.: Section 602 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681c-1 Section 6058 15 U.S.C. 1681c-2 Section 606 15 U.S.C. 1681d Section 607 15 U.S.C. 1681e Section 608 15 U.S.C. 1681f Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y 168y 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 undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting ActAct (FCRA) promotes the accuracy, 15fairness, U.S.C. 1681 etand privacy of information in the files of consumer reporting agencies. seq.There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as amended 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 xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (the your “FCRAfile disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: o a person has taken adverse action against you because of information in your credit report; o you are the victim of identity theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; o you are on public assistance; o you are unemployed but expect to apply for employment within 60 days. In addition, all 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 identify information in your file that is incomplete or inaccurate, and its other state law counterpartsreport it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In connection 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 Agency's continued use a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of Contractor services credit and insurance you get based on information in relation your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to Vermont consumersremove 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 following FCRA right applies with respect to nationwide consumer reporting agencies: Consumers Have the Right To Obtain a Security Freeze However, Agency hereby certifies as follows:you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. As an alternative to a security freeze, you have the right to 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 take steps to verify the consumer’s identity before extending new credit. 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 in your credit report for the purposes of reviewing or collecting the account. 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, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to 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. 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 CFPB: a. Consumer Financial Protection Bureau 0000 X Xxxxxx, X.X. Washington, DC 20552 b. Federal Trade Commission Consumer Response Center 000 Xxxxxxxxxxxx Xxxxxx, X.X. Washington, DC 00000 (000) 000-0000

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.: Section 602 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 Section 606 15 U.S.C. 1681d Section 607 15 U.S.C. 1681e Section 608 15 U.S.C. 1681f Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.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 undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and 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, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-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 identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (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 violates the FCRA, you may be able to 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. 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. Washington, DC 20552 1b. Such affiliates that are not banks, savings associations, or credit unions also should list, in b. Federal Trade Commission: Consumer Response Center – FCRA addition to the Bureau: Washington, DC 20580 (000) 000-0000 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 a. Office of the Comptroller of the Currency Customer Assistance Group 0000 XxXxxxxx Xxxxxx, Suite 3450 Houston, TX 77010-9050 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 b. Federal Reserve Consumer Help Center P.O. Box. 1200 Minneapolis, MN 55480 c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations c. FDIC Consumer Response Center 0000 Xxxxxx Xxxxxx, Xxx #00 Xxxxxx Xxxx, XX 00000 d. Federal Credit Unions 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 Xxxxxx, X.X. Washington, DC 20590 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 000 X Xxxxxx, X.X. Washington, DC 20423 5. Creditors Subject to the Packers and Stockyards Act, 151921 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, U.S.C. 1681 etX.X., 0xx Xxxxx Xxxxxxxxxx, XX 00000 7. seq.Brokers and Dealers Securities and Exchange Commission 100 F St, as amended (the “FCRA”)N.E. Washington, DC 20549 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and its other state law counterpartsProduction Credit Associations Farm Credit Administration 0000 Xxxx Xxxxxx Xxxxx McLean, VA 22102-5090 9. In connection with Agency's continued use of Contractor services Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in relation to Vermont consumerswhich the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA Washington, Agency hereby certifies as follows:DC 00000 (000) 000-00000

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 Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.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 undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting ActAct (FCRA) promotes the accuracy, 15fairness, U.S.C. 1681 etand privacy of information in the files of consumer reporting agencies. seq.There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as amended 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 xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (the your “FCRAfile disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: o a person has taken adverse action against you because of information in your credit report; o you are the victim of identity theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; o you are on public assistance; o you are unemployed but expect to apply for employment within 60 days. In addition, all 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 identify information in your file that is incomplete or inaccurate, and its other state law counterpartsreport it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In connection 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 Agency's continued use a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of Contractor services credit and insurance you get based on information in relation your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to Vermont consumersremove 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 following FCRA right applies with respect to nationwide consumer reporting agencies: Consumers Have the Right To Obtain a Security Freeze As an alternative to a security freeze, Agency hereby certifies as follows:you have the right to 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 take steps to verify the consumer’s identity before extending new credit. 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 in your credit report for the purposes of reviewing or collecting the account. 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, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to 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. 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 CFPB: a. Consumer Financial Protection Bureau 0000 X Xxxxxx, X.X. Washington, DC 20552 b. Federal Trade Commission Consumer Response Center 000 Xxxxxxxxxxxx Xxxxxx, X.X. Washington, DC 00000 (000) 000-0000

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx , has more information about the FCRA, including publications for businesses and the full text of the FCRA. Citations for the FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.: Section 602 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681cA Section 605B 15 U.S.C. 1681cB Section 606 15 U.S.C. 1681d Section 607 15 U.S.C. 1681e Section 608 15 U.S.C. 1681f Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seq., as amended (the “NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA”), and its other state law counterparts. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersignedThis schedule is attached to a Professional Services Contract dated July 1, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with 2018 and shall have the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seqdefinitions identified therein., as amended (the “FCRA”), and its other state law counterparts. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 6l2 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 62l 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersigned, 1681y (“Agency”), acknowledges that it subscribes a) If any person takes any adverse action with respect to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”)any consumer, and the federal Fair Credit Reporting Actadverse action is based, 15in whole or in part, U.S.C. 1681 et. seqon 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, as amended (the “FCRA”)address, and its telephone number of the consumer credit reporting agency 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 state law counterpartsconsumer 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. In connection The user of the information shall clearly and accurately disclose to the consumer his or her right to make such a written request at the time the adverse action is communicated to the consumer. (c) No person shall be held liable for any violation of this section if he or she shows by a preponderance of the evidence that at the time of the alleged violation he or she maintained reasonable procedures to assure compliance with Agency's continued use this section. (d) Nothing in this chapter shall excuse compliance with the requirements of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows: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 Consumer Financial Protection Bureau websiteCFPB's Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersigned, Enter Company Name (the “Agencycompany”), acknowledges that it subscribes ) intends to receive various information services obtain and use a consumer report or an investigative consumer report from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance an external consumer reporting agency for employment purposes. These purposes may include but are not limited to: • considering your application for employment; • making a decision whether to offer you employment with the Vermont company; • deciding whether to continue your employment (if you are hired by the company); • doing periodic rescreening of current employees, and/or; • making any other employment decisions affecting you. A consumer reporting agency is a person or business that regularly assembles or evaluates consumer credit information or other information on consumers. As an applicant or an employee, you are considered a “consumer” under the Fair Credit Reporting StatuteAct. A consumer report may include information about your character, 9 V.S.A. § 2480e (1999)general reputation, personal characteristics, or mode of living, which is used or collected for employment purposes. An investigative consumer report also involves personal interviews with sources such as amended (employers, educators, etc. You have a right to request disclosures of the “VFCRA”), nature and scope of any investigative consumer report that the federal company obtains about you. You also have other rights under the Fair Credit Reporting Act, 15a summary of which is available at: xxxx://xxx.xxx.xxx/os/2004/11/041119factaappf.pdf. I hereby acknowledge that Enter Company Name may obtain consumer reports and investigative consumer reports about me from a consumer reporting agency and that they may consider information in consumer reports and investigative consumer reports as part of their decision making process regarding any aspect of my application for employment and/or continued employment with the company including periodic rescreening of current employees. I also acknowledge that I have received a copy of the Summary of Rights under the Fair Credit Reporting Act. Signature Full Legal Name (please print) Date I hereby authorize Justifacts Credential Verification, U.S.C. 1681 et. seq.Inc, as amended (the “FCRA”)an Agent for INSERT CLIENT NAME to ascertain information regarding my background to determine any and all information of concern to my record, whether same is of record or not, and its other state law counterpartsI release employers and persons named in my application from all liability for any damages on account of his/her furnishing said information. In connection with Agency's continued use I understand that this form indicates that a background search will be conducted and that this is my notification of Contractor services in relation that intent. I understand that the purpose of this background investigation is to Vermont consumersdetermine my suitability for employment and may elicit information on my character, Agency general reputation, personal characteristics and mode of living. Additionally, you are hereby certifies as follows:authorized to make any investigation of my personal history, educational background, military record, motor vehicle records, criminal records and credit history through an investigative or credit agency or bureau of your choice. I authorize the release of this information by the appropriate agencies to the investigating service. I understand that my consent will apply throughout my employment, unless I revoke or cancel my consent by sending a signed letter or statement to the Company at any time, stating that I revoke my consent and no longer allow the Company to obtain consumer or investigative consumer reports about me. FULL NAME: OTHER NAMES USED/MAIDEN NAME/DATES: CURRENT ADDRESS: PHONE: XXXX ALL ADDRESSES FOR PAST 7 YEARS: EMAIL ADDRESS: SOCIAL SECURITY # DATE OF BIRTH: DRIVER’S LICENSE # STATE ISSUED: If yes, please explain: Notice to California Applicants - You may omit minor traffic offenses, any convictions which have been sealed, expunged or statutorily eradicated, convictions more than two years old for the following marijuana related offenses: HS11357b&c, HS11360c, HS11364, HS11365, HS11550, and misdemeanors for which probation was completed and the case was judicially dismissed.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersigned, Texas General Land Office and Veterans Land Board (“AgencyCompany”), acknowledges that it subscribes to receive various information services from TALX CorporationEquifax Workforce Solutions LLC, provider of Equifax Verification Services (“ContractorEVS”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), and its other state law counterparts. In connection with AgencyCompany's continued use of Contractor EVS services in relation to Vermont consumers, Agency Company hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681 Section 615 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681cA 15 U.S.C. 1681cB 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersigned• Adult entertainment service of any kind • Business that operates out of an apartment or unrestricted location within a residence • (unless approved by repository) • Attorneys or Law Offices of any type • Bail bondsman • Check cashing • Credit counseling • Credit repair clinic • Dating service • Financial counseling • Genealogical or heir research firm • Massage services • Company that locates missing children • Pawn shop • Private detectives, detective agencies or investigative companies • Individual seeking information for their private use • Company that handles third party repossession • Company or individual involved in spiritual counseling • Subscriptions (magazines, book clubs, record clubs, etc.) • Tattoo service • Insurance Claims • Internet Locator Services • Asset Location Services • Future Services (i.e., health clubs, timeshare, continuity clubs, etc.) • News Agencies or journalists • Law Enforcement (except for employment screening) • Any company or individual who is known to have been involved in credit fraud or other • unethical business practices • Companies listed on repository alert report notifications Customer, in order to receive consumer credit information from Equifax Information Services, LLC, through CPI agrees to comply with the following conditions required by Equifax, which may be in addition to those outlined in the Customer Service Agreement (“AgencyAgreement”). Customer understands and agrees that Equifax’s delivery of information to Customer via CPI is specifically conditioned upon Customer’s agreement with the provisions set forth in this Agreement. Customer understands and agrees that these requirements pertain to all of its employees, acknowledges managers and owners and that all persons having access to Equifax consumer credit information, whether existing or future employees, will be trained to understand and comply with these obligations. 1. Customer hereby agrees to comply with all current and future policies and procedures instituted by CPI and required by Equifax. CPI will give Customer as much notice as possible prior to the effective date of any such new policies required in the future but does not guarantee that reasonable notice will be possible. Customer may terminate this agreement at any time after notification of a change in policy in the event Customer deems such compliance as not within its best interest. 2. Customer certifies that it subscribes will order and use Limited-ID or Limited DTEC reports in connection with only one of the following purposes involving the subject of the report and for no other purpose: (a) to receive various protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability; (b) for required institutional risk control or for resolving consumer disputes or inquiries; (c) due to holding a legal or beneficial interest relating to the consumer; (d) as necessary to effect, administer, or enforce a transaction to underwrite insurance at the consumer's request, for reinsurance purposes or for the following purposes related to the consumer's insurance: account administration, reporting, investigation fraud prevention, premium payment processing, claim processing, benefit administration or research projects; (e) to persons acting in a fiduciary or representative capacity on behalf of, and with the consent of, the consumer or (f) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, including location for collection of a delinquent account. Subscriber, if a government agency, certifies it will order and use Limited-ID or Limited DTEC in connection with the following purposes involving the subject and for no other purpose: (y) pursuant to FCPI Section 608 or (z) for an investigation on a matter related to public safety. Customer further certifies that it will, with each Limited ID or Limited DTEC inquiry, include the Exception Code required by Equifax that identifies the use for which Customer is ordering the information, and that because Limited ID and Limited DTEC reports are not consumer reports Customer will not order or use Limited ID or Limited DTEC reports, in whole or in part, to determine eligibility for credit, insurance, or for any other permissible purpose, as defined by the FCPI, for which a consumer reporting agency is permitted to furnish a consumer report. Equifax may periodically conduct audits of Customer regarding its compliance with the FCPI and other certifications in this Agreement. Audits will be conducted by mail whenever possible and will require Subscribers to provide documentation as to permissible use of particular consumer, Limited ID, or Limited DTEC reports. Customer gives its consent to Equifax to conduct such audits and agrees that any failure to cooperate fully and promptly in the conduct of any audit, or Customer's material breach of this Agreement, constitute grounds for immediate suspension of service or, termination of this Agreement. If Equifax terminates this Agreement due to the conditions in the preceding sentence, Subscriber (i) unconditionally releases and agrees to hold EQUIFAX harmless and indemnify it from and against any and all liabilities of whatever kind or nature that may arise from or relate to such termination, and (ii) covenants it will not assert any claim or cause of action of any kind or nature against Equifax in connection with such termination. 3. Customer certifies that it is not a reseller of the information, a private detective, bail bondsman, attorney, credit counseling firm, financial counseling firm, credit repair clinic, pawn shop (except companies that do only Title pawn), check cashing company, genealogical or heir research firm, dating service, massage or tattoo service, business that operates out of an apartment, an individual seeking information for his private use, an adult entertainment service of any kind, a company that locates missing children, a company that handles third party repossession, a company seeking information in connection with time shares or subscriptions, a company or individual involved in spiritual counseling or a person or entity that is not an end-user or decision-maker, unless approved in writing by Equifax . 4. Customer agrees that Equifax shall have the right to audit records of Customer that are relevant to the provision of services set forth in this agreement. Customer authorizes CPI to provide to Equifax, upon Equifax’s request, all materials and information relating to its investigations of Customer and agrees that it will respond within the requested time frame indicated for information requested by Equifax regarding Equifax information. Customer understands that Equifax may require CPI to suspend or terminate access to Equifax’s information in the event Customer does not cooperate with any such an investigation. Customer shall remain responsible for the payment for any services provided to Customer prior to any such discontinuance. 5. Equifax information will be requested only for Customer’s exclusive use and held in strict confidence except to the extent that disclosure to others is required or permitted by law. Customer agrees that Equifax information will not be forwarded or shared with any third party unless required by law or approved by Equifax. If approved by Equifax and authorized by the consumer, Customer may deliver the consumer credit information to a third party, secondary, or joint user with which Customer has an ongoing business relationship for the permissible use of such information. Customer understands that Equifax may charge a fee for the subsequent delivery to secondary users. Only designated representatives of Customer will request Equifax information on Customer’s employees, and employees will be forbidden to obtain reports on themselves, associates or any other persons except in the exercise of their official duties. Customer will not disclose Equifax information to the subject of the report except as permitted or required by law, but will refer the subject to Equifax. Customer will hold Equifax and all its agents harmless on account of any expense or damage arising or resulting from TALX Corporation, provider the publishing or other disclosure of Equifax Verification Services information by Customer, its employees or agents contrary to the conditions of this paragraph or applicable law. 6. Customer understands that it must meet the following criteria: (a) the Customer company name, including any DBA’s, and the address on the Customer Application (“ContractorApplication”) and Agreement must match; (b) the telephone listing must be verified in the same company name and address that was provided on the Application and Agreement; (c) a copy of the current lease of the business must be reviewed by CPI to confirm the Customer is at the same address that is shown on the Application and Agreement, and the following pages of the lease must be reviewed for verification: the signature page; the address page; the terms of the lease page; landlord name and landlord contact information; (d) a copy of the principal’s driver’s license is required to verify the principal’s identity; (e) a current business license must be supplied, and reflect the same name and at the same address provided on the Application and Agreement. (Contact CPI for valid substitutions when a license is not required by the state), and (f) an on-site inspection of the office is to be conducted by an Equifax certified company. *Note (c) and (d) are not required if the Customer is publicly traded on a nationally recognized stock exchange 7. Customer will be charged for Equifax consumer credit information by CPI, which is responsible for paying Equifax for such information; however, should the underlying relationship between CPI and Customer terminate at any time during this agreement, charges for Equifax consumer credit information will be invoiced to Customer, and Customer will be solely responsible to pay Equifax directly. 8. Customer agrees that it will properly dispose of all consumer information in accordance with the Vermont Fair Credit Reporting Statutefollowing. As used herein, 9 V.S.A. § 2480e “consumer information” means any record about an individual, whether in paper, electronic, or other form, that is a consumer report or is derived from a consumer report. Consumer information also means a compilation of such records. Consumer information does not include information that does not identify individuals, such as aggregate information or blind data. “Dispose,” “disposing,” or “disposal” means: (1999)1) the discarding or abandonment of consumer information, as amended or (2) the “VFCRA”)sale, and donation, or transfer of any medium, including computer equipment, upon which consumer information is stored. A Subscriber who maintains consumer information for a business purpose must properly dispose of such information by taking reasonable measures to protect against unauthorized access to or use of the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), and its other state law counterparts. In information in connection with Agency's continued use its disposal. Reasonable measures include (1) implementing and monitoring compliance with policies and procedures that require the burning, pulverizing, or shredding of Contractor services papers containing consumer information so that the information cannot practicably be read or reconstructed; (2) implementing and monitoring compliance with policies and procedures that require the destruction or erasure of electronic media containing consumer information so that the information cannot practicably be read or reconstructed; and (3) after due diligence, entering into and monitoring compliance with a contract with another party engaged in relation the business of record destruction to Vermont consumersdispose of material, Agency hereby certifies specifically identified as follows:consumer information, in a manner consistent with the above.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Bureau of Consumer Financial Protection Bureau Protection’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q 1681c-A Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r 1681c-B Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y 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 undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and 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, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-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 identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (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 violates the FCRA, you may be able to 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. 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 x. Federal Trade Commission: Consumer Response Center – FCRA Washington, DC 20580 (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 P.O. Xxx 0000 Xxxxxxxxxxx, XX 00000 x. 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 0. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 0000 Xxx Xxxxxx Xxx, X.X. Washington, DC 20590 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 000 X Xxxxxx, X.X. Washington, DC 20423 5. Creditors Subject to Packers and Stockyards Act, 151921 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, U.S.C. 1681 etXX, 0xx Xxxxx Xxxxxxxxxx, XX 00000 0. seq.Brokers and Dealers Securities and Exchange Commission 000 X Xx XX Xxxxxxxxxx, as amended (the “FCRA”)XX 00000 0. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and its other state law counterpartsProduction Credit Associations Farm Credit Administration 0000 Xxxx Xxxxxx Xxxxx XxXxxx, VA 22102-5090 9. In connection with Agency's continued use of Contractor services Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in relation to Vermont consumerswhich the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA Washington, Agency hereby certifies as follows:DC 20580 (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 Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681cA 15 U.S.C. 1681cB 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y [77 FR 67754, Nov. 14, 2012] The undersignedParties acknowledge that they must work together to protect the privacy of consumers. The following measures are designed to reduce unauthorized access of Reports, including consumer and investigative consumer reports. In accessing Reports, Xxxxxxxx agrees on behalf of itself, Licensee Affiliates, and Authorized Users, to the following: 1. Licensee will take reasonable procedures to protect its account number and password so that only Authorized Users know this sensitive information, including, without limitation, not posting this information anywhere in its facility. Licensee agrees to change account passwords and to require each Authorized User to change their account passwords at least every ninety (90) days, and to do so immediately if a person who knows the password leaves Licensee or no longer needs to have access due to a change in duties; Licensee will notify KarmaCheck immediately of each such event. 2. Licensee is solely responsible for, and will be billed for, all Reports purchased using its account number. 3. Licensee agrees that system access software, whether developed by Licensee or purchased from a third party vendor, will have Licensee’s account number and password “Agency”)hidden” or embedded and be known only by supervisory personnel. Licensee will assign each user of its system access software a unique logon password. If such system access software is replaced by different access software and therefore no longer is in use or, acknowledges alternatively, the hardware upon which such system access software resides is no longer being used or is being disposed of, or if the password has been compromised or believed to be compromised in any way, Licensee will change its password immediately and Licensee will notify KarmaCheck immediately of each such event. 4. Licensee agrees that Authorized Users will not discuss their account number or password by telephone with any unknown caller, even if the caller claims to be an employee of KarmaCheck. 5. Licensee will restrict the ability to obtain Reports to a few key personnel. 6. Licensee agrees to place all terminal devices used to obtain Reports in a secure location within its facility so that unauthorized persons cannot easily access them. 7. Licensee agrees it subscribes will turn off and lock all devices or systems used to receive various obtain consumer information services from TALX Corporation, provider when not in use. 8. Licensee will secure hard copies and electronic files of Equifax Verification Services (“Contractor”), Reports within its facility so that unauthorized persons cannot easily access them. 9. Licensee agrees to shred and/or destroy all hard copy Reports when they are no longer needed and erase and overwrite or scramble electronic files containing consumer information when no longer needed and when applicable regulation(s) permit destruction. 10. Licensee agrees to notify its employees that Licensee can access credit information only for the permissible purposes listed in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e Act (1999FCRA), as amended (the “VFCRA”), and the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), and its other state law counterparts. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau websiteFTC’s Web site, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxx.xxx/xxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Attachment H Sample Remedying the Effects of Identity Theft AAIM EA TRAINING AND CONSULTING LLC 0000 X. Xxxxxxxxx Xxxx. Suite 400 St. Xxxxx, MO 63144 Phone: 000-000-0000 / 000-000-0000 Fax: 000-000-0000 CONFIDENTIAL TO BE OPENED BY ADDRESSEE ONLY XXXX TEST 0000 XXXXXX XXXXXX XXXXX XXXXX, XX 00000 Remedying the Effects of Identity Theft 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 undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting StatuteAct (FCRA) gives you specific rights when you are, 9 V.S.A. § 2480e (1999)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 three nationwide consumer reporting agencies. As soon as amended (that agency processes your fraud alert, it will notify the “VFCRA”)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: 1-800-888-4213; 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 alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security number. If you 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 local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the federal Fair Credit Reporting Actidentity theft report, 15, U.S.C. 1681 etvisit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. 2. seq., as amended 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 “FCRA”)information in your file at each of the three nationwide agencies, and its 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 state law counterpartsprovisions of the FCRA. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows: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 Bureau of Consumer Financial Protection Bureau Protection’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q 1681c-A Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r 1681c-B Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y 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 undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and 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, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: • a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; • your file contains inaccurate information as a result of fraud; • you are on public assistance; • you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-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 identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (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 violates the FCRA, you may be able to 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. 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 x. Federal Trade Commission: Consumer Response Center – FCRA Washington, DC 00000 (000) 000-0000 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 P.O. Xxx 0000 Xxxxxxxxxxx, XX 00000 x. 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 0. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 0000 Xxx Xxxxxx Xxx, X.X. Washington, DC 20590 4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation 000 X Xxxxxx, X.X. Washington, DC 20423 5. Creditors Subject to Packers and Stockyards Act, 151921 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, U.S.C. 1681 etXX, 0xx Xxxxx Xxxxxxxxxx, XX 00000 0. seq.Brokers and Dealers Securities and Exchange Commission 000 X Xx XX Xxxxxxxxxx, as amended (the “FCRA”)XX 00000 0. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and its other state law counterpartsProduction Credit Associations Farm Credit Administration 0000 Xxxx Xxxxxx Xxxxx XxXxxx, VA 22102-5090 9. In connection with Agency's continued use of Contractor services Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in relation to Vermont consumerswhich the creditor operates or Federal Trade Commission: Consumer Response Center – FCRA Washington, Agency hereby certifies as follows:DC 00000 (000) 000-0000

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.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 undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting ActAct (FCRA) promotes the accuracy, 15fairness, U.S.C. 1681 etand privacy of information in the files of consumer reporting agencies. seq.There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as amended 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 xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx or write to: Consumer Financial Protection Bureau, 0000 X Xxxxxx X.X., Xxxxxxxxxx, XX 00000. • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (the your “FCRAfile disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: o a person has taken adverse action against you because of information in your credit report; o you are the victim of identity theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; o you are on public assistance; o you are unemployed but expect to apply for employment within 60 days. In addition, all 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 identify information in your file that is incomplete or inaccurate, and its other state law counterpartsreport it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In connection 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 Agency's continued use a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx. • You may limit “prescreened” offers of Contractor services credit and insurance you get based on information in relation your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to Vermont consumersremove 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 following FCRA right applies with respect to nationwide consumer reporting agencies: Consumers Have the Right To Obtain a Security Freeze As an alternative to a security freeze, Agency hereby certifies as follows:you have the right to 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 take steps to verify the consumer’s identity before extending new credit. 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 in your credit report for the purposes of reviewing or collecting the account. 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, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to 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. 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 CFPB: a. Consumer Financial Protection Bureau 0000 X Xxxxxx, X.X. Washington, DC 20552 b. Federal Trade Commission Consumer Response Center 000 Xxxxxxxxxxxx Xxxxxx, X.X. Washington, DC 00000 (000) 000-0000

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. - The Consumer Financial Protection Bureau CFPB’s website, xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx , has more information about the FCRA. Section 602 Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681 Section 615 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681cA 15 U.S.C. 1681cB 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a 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 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 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 Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Para informacion en espanol, visite xxx.xxxxxxxx.xxx/xxxxxxx o escribe a la FTC, Consumer Response Centre, Room 000-X, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Washington, D.C. 20580 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.xxxxxxxx.xxx/xxxxxxx or write to: FTC, Consumer Response Center, Room 000-X, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Washington, D.C., 20580. The undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting StatuteAct (FCRA) gives you specific rights when you are, 9 V.S.A. § 2480e 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 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. o Equifax: 0-000-000-0000; xxx.xxxxxxx.xxx o Experian: 1-888-EXPERIAN (1999397-3742); xxx.xxxxxxxx.xxx o 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 alerts, as amended a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security number. If you 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 local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the identity theft report, visit xxx.xxxxxxxx.xxx/xxxxxxx. 2. You have the right to free copies of the information in your file (the your “VFCRAfile 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 federal Fair Credit Reporting Actplacing of the alert. These additional disclosures may help you detect signs of fraud, 15for example, U.S.C. 1681 etwhether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. seqOnce 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 the FCRA. See xxx.xxx.xxx/xxxxxx., as amended (the “FCRA”), and its other state law counterparts. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows: