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<br /> (15) ID Advisor— ID Advisor is a tool that helps verify a provided via PC or Network Server) (the "System"), under
<br /> consumer's identity by comparing the consumer provided the terms of this Agreement. Client's rights under this
<br /> information against independent data sources. Agreement are those of a licensed user only. The System
<br /> will at all times remain the property of Equifax. Equifax may,
<br /> Usage Limitations for Fraud Advisor and ID Advisor at its option, enhance the System's functionality, utility or
<br /> - Client will not use any alert messages generated by efficiency_by producing new versions of the System during
<br /> the Service (s) as a part of the eligibility determination the term of this Agreement.
<br /> for granting credit, insurance or employment. Client
<br /> acknowledges that any such alert message is merely (B) Deliverables. Equifax will deliver to Client one
<br /> an indication that the application information should (1) copy of the System software and one (1) copy of the
<br /> be further verified prior to a business decision. Client user documentation for each licensed workstation. Equifax
<br /> may only use the data from the Service(s) for the reserves the right to charge Client in accordance with the
<br /> specific transaction for which the alert message is fees established in Exhibit"C"for any on-site installation or
<br /> provided. The Service(s) is/are proprietary and Client training which may be requested by Client.
<br /> may not use the Service(s) as a component of any
<br /> database or file built or maintained by Client. Client (C) Use Restrictions and Confidentiality. Client
<br /> understands that the information supplied by the will use the System solely for the purpose of risk
<br /> Service may or may not apply to the consumer who assessment and identification of Client's applicants for
<br /> has made the application to Client for credit, service. Client will hold all software programs and
<br /> insurance or employment. documentation received from Equifax in trust as proprietary
<br /> or confidential materials. No copying or use of the System
<br /> (16) ID REPORT — is a consumer report consisting of is permitted except as expressly set forth in this agreement.
<br /> name, AKAs, current and former addresses, employment Client may not sell, publish, disclose, display, sub-license,
<br /> information, age or date of birth, and Social Security reverse-engineer, reverse compile, or otherwise make
<br /> number(only if input by Client). available, in whole or in part, the System, or any
<br /> modifications, enhancements of, or derivative products
<br /> (17) MarketPrompt — is an on-line cross-sell tool for the from the System, or allow any third party to take any of the
<br /> telecommunications, energy and cable industries, offered foregoing actions. If Equifax reasonably determines that
<br /> as an enhancement to Positive IDsM, which provides Client is attempting to make use of, license, or convey any
<br /> custom or national consumer marketing profile information part of the System in a manner contrary to the terms of this
<br /> at the point of sale. Client will not use this service for Agreement, Equifax will have, in addition to any other
<br /> determination of credit eligibility. remedies available to it, the right to equitable relief
<br /> enjoining such action, without the necessity of posting a
<br /> (18) Mortgage Business Credit Report - is a manually bond or other security or proving the inadequacy of
<br /> produced consumer report provided to speed the mortgage monetary damages.
<br /> loan granting process by delivering information on self-
<br /> employed borrowers that may apply for mortgage loans (D) Return of Software. Upon termination of this
<br /> covering business history, financial background, number of Agreement for any reason, Client will return to Equifax all
<br /> employees, length of time in business, credit history and original programs, documentation and similar materials
<br /> public record information. The report verifies trade provided by Equifax. Client will also furnish, upon request,
<br /> references reporting credit limits, current balances, terms a written statement certifying that through Client's best
<br /> and payment histories. efforts, and to the best of Client's knowledge, the original
<br /> and all copies of these materials, including derivatives
<br /> (19) MultiVisiort Platform — is a mid-range platform thereof, have been returned to Equifax or have been
<br /> available to telecommunications and utilities clients that destroyed.
<br /> allows access to multiple external databases for standard
<br /> and customized based information solutions. There is a (21) OFAC Alert - is an information service Equifax
<br /> monthly minimum charge for this service. provides on behalf of Compliance Data Center, Inc., an
<br /> Equifax affiliate. OFAC Alert is based on information that
<br /> (20) MultiVision for Windows-is a windows-based software was not collected, in whole or in part, for the purpose of
<br /> program developed by Equifax, providing on-line access to serving as a factor in establishing a consumer's eligibility
<br /> multiple external databases for standard and customized for credit or insurance to be used primarily for personal,
<br /> information based solutions. MultiVision provides multiple family or household purposes; employment purposes; or
<br /> connectivity capabilities to Equifax services. MultiVision was any other purpose authorized under the FCRA.
<br /> developed by Equifax Telecommunications and Utilities Accordingly, Client will not use an OFAC Alert indicator as
<br /> Solutions specifically targeting small- to medium-sized part of its decision-making process for determining the
<br /> communications, utilities and energy providers, but has been consumer's eligibility for any credit or any. other FCRA
<br /> expanded for applications for other industries. permissible purpose. Client acknowledges that such an
<br /> indicator is merely a message that the consumer may be
<br /> (A) Grant of Right. Equifax grants to Client a listed on one or more U.S. government-maintained lists of
<br /> non-exclusive, non-transferable, non-assignable limited right persons subject to economic sanctions, and Client should
<br /> to use copies of a certain software system and related contact the appropriate government agency for
<br /> documentation known as MultiVisionsM (which term confirmation and instructions. The OFAC Alert indicator
<br /> includes all present and future modifications, enhancements, may or may not pertain to the individual referenced in your
<br /> versions and releases of that software system,which may be 1 2
<br /> Standard Agreement for Service—On Line Services Only LRD 4/29/ 11
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