2011/01/19 Council Agenda Packet

0 inquiry. Refer to the OFAC Customer Guide for further protection features using SAFESCAN, and optional follow- information. up searches via the DTEC or DL Advantage services. Optional scoring models are also available with this (1) OFAC Alert can be included as a suppression service. attribute in connection with Prescreen Services. Equifax will eliminate from the prescreen list any (26) RE-APPEAR - is an automated location monitoring name that is matched against a listing in OFAC service providing new address or new inquiry information Alert database. within 24 hours for use by collectors pursuing "skipped" consumers. From time to time Client will provide (2) OFAC Alert can be added as an ancillary service information to Equifax, in a format acceptable to Equifax, to to Customer Portfolio Review. For each account be used by Equifax to monitor certain accounts. Client will reviewed, Equifax will return a "hit" or"no hit" flag only request this service in connection with (1) the review depending on whether the Client customer is or collection of a credit account with Client, or (2) the matched against a name listed in the OFAC collection of an account on behalf of a customer of Client Database. where Client is the collection agent for—that—customer-1s— account. or—thatcustomer'-s— account. Client will take all necessary actions to cease (22) On-line Directory - is an ancillary service to receiving the service on an individual when Client no longer ACROFILE, ACROFILE Plus, and PERSONA that satisfies the requirements for ordering the service on that automatically provides creditors' and inquirers' names and individual. current phone numbers on the consumer report. (27) Recovery Report - is a truncated credit report for (23) On-Line GEO-CODE — is an ancillary service to collections with the most recent eighteen (18) month ACROFILE, ACROFILE Plus• and ACRO Select that window of tradeline history and no payment history for provides geographic address information for use by those trades. Recovery Report is not a full credit report. financial institutions in federal audits. Client will use Recovery Report only for the collection of a credit account with the consumer subject of the Recovery (24) PERSONA and PERSONA PLUS - are consumer Report, and will not use Recovery Report for the extension reports, from the Equifax consumer credit database, of credit. consisting of limited identification information, credit file inquiries, public record information, credit account trade (28) Residential Mortgage Credit Report - is a full lines, and employment information. investigative consumer report that contains information from at least two national credit repositories, the (A) FCRA Certification. Client will notify consumer's loan application and results from personal Equifax whenever a consumer report will be used for interviews with manually verified name, address and employment purposes. Client certifies that, before ordering employment history, when available, plus public record, each consumer report to be used in connection with tradeline and inquiry information, and may include a risk- employment purposes, it will clearly and conspicuously scoring model for use as a tool in projecting future disclose to the subject consumer, in a written document delinquencies and bankruptcies. consisting solely of the disclosure, that Client may obtain a consumer report for employment purposes, and will also (29) SAFESCAN - is an on-line warning system containing obtain the consumer's written authorization to obtain or information that can be used to detect possible fraudulent procure a consumer report relating to that consumer. Client applications for credit. Some of the information in the further certifies that it will not take adverse action against SAFESCAN database is provided by credit grantors. If the consumer based in whole or in part upon the consumer Client orders the SAFESCAN service, then Client will report without first providing to the consumer to whom the furnish to Equifax for inclusion in Equifax's SAFESCAN consumer report relates a copy of the consumer report and System any data that Client knows, or suspects, to have a written description of the consumer's rights as prescribed been used in connection with a fraudulent transaction or by the Federal Trade Commission ("FTC") under Section attempted fraudulent transaction with Client. That data will 609(c)(3) of the FCRA, and will also not use any include but not be limited to consumer names, aliases, information from the consumer report in violation of any Social Security numbers, addresses (current and former), applicable federal or state equal employment opportunity employment (current and former) and telephone numbers law or regulation. Client acknowledges that it has received (business and residential). Client will not use an alert or from Equifax a copy of the written disclosure form warning message from the SAFESCAN System in its prescribed by the FTC. decision-making process for denying credit, but will use the message as an indication that the consumer's application (25) POSITIVE ID - is a service designed to verify an information should be independently verified prior to a applicant's identity at the application stage using the Social credit decision. Client understands that the information Security number provided by Client to search the Equifax supplied by SAFESCAN may or may not apply to the consumer credit database and other requested on-line consumer who has applied to Client for credit. databases. The service returns, in a single, concise consumer report, a message indicating"match", "no match" or "no record found", along with full name, current and former addresses, age and employer when available, and other names and addresses associated with the applicant's Social Security number. The service offers optional fraud Standard Agreement for Service—On Line Services Only LRD 4/29/02 0 3 12 #43064v17