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EquIFAx r
<br /> EQUIFAX INFORMATION SERVICES LLC
<br /> 10 AGREEMENT FOR SERVICE
<br /> (On-Line Services Only)
<br /> This Agreement for Service ("Agreement") is effective this involving the extension of credit to, or review or collection of
<br /> day of January, 20011 ("Effective Date") and is made an account of, the consumer; (ii) in connection with the
<br /> between Equifax Information Services LLC ("Equifax") and underwriting of insurance involving the consumer; (iii) as a
<br /> the CITY OF EVERETT, a municipal corporation under the potential investor or servicer,or current insurer,in connection
<br /> laws of the State of Washington ("Client") so that Client with a valuation of, or an assessment of the credit or
<br /> and its affiliates listed on Exhibit A may acquire various prepayment risks associated with, an existing credit
<br /> information services (the "Information Services") from obligation; (iv). when Client otherwise has a legitimate
<br /> Equifax. Equifax and Client agree as follows: business need for the information either in connection with a
<br /> business transaction that is initiated by the consumer, or to
<br /> I. GENERAL AGREEMENT review an account to determine whether the consumer
<br /> continues to meet the terms of the account; or (v) for
<br /> 1. Scope of Agreement. This Agreement consists of employment purposes. Client further certifies that it will use
<br /> the general terms set forth in the body of this Agreement, each consumer report ordered from Equifax for one of the
<br /> Exhibit A ("Client Affiliates"), Exhibit B ("Information foregoing purposes and for no other purpose and that it will
<br /> Services"), Exhibit C ("Pricing"), and Exhibit D ("Vermont not share with or provide to any third party such consumer
<br /> Fair Credit Reporting Contract Certification"). If there is a reports, except as otherwise permitted pursuant to Section
<br /> conflict between the general terms and,conditions of this 1.7 hereof. CLIENT IS NOT AUTHORIZED TO REQUEST
<br /> Agreement and any Exhibit, the provisions of the Exhibit will OR RECEIVE CONSUMER REPORTS FOR EMPLOYMENT
<br /> govern and control. This Agreement applies to every kind of PURPOSES UNLESS CLIENT HAS SELECTED THE
<br /> information, software or service provided by Equifax to Client, PERSONA®REPORT SERVICE ON EXHIBIT B.
<br /> even if a given type of software, service or information is not
<br /> specifically referred to in this Agreement or is not currently California Law Certification:
<br /> provided by Equifax, unless the software, service or
<br /> information is furnished pursuant to a separate written Client will refer to Exhibit B.IV. of the Agreement in making
<br /> agreement with Equifax, executed and effective after the the following certification, and Client agrees to comply with all
<br /> Effective Date, and containing an "entire agreement" or applicable provisions of the California Credit Reporting
<br /> "merger"clause.This Agreement specifically supersedes and Agencies Act,as referenced in Exhibit B.IV.:
<br /> replaces any agreement between the parties that predates
<br /> this Agreement and that relates to any of the Information (CLIENT'S AUTHORIZED REPRESENTATIVE MUST
<br /> Services named in Exhibit B, even if the prior agreement PLACE HIS/HER INITIALS NEXT TO THE APPLICABLE
<br /> contains an "entire agreement" or "merger" clause, and any SPACE BELOW.)
<br /> such agreements are hereby terminated.
<br /> 1. Do you, Client, certify you are a "retail seller",as defined in
<br /> 2. Users. Equifax will provide the Information Section 1802.3 of the California Civil Code and referenced in
<br /> Services, as available, to Client and Client Affiliates during Exhibit B.V.? Yes
<br /> the term of this Agreement. "Client Affiliates" are those No
<br /> entities listed in Exhibit A which are and will be at all times 2. Do you, Client, issue credit to consumers who appear in
<br /> entities controlled by or under common control with Client. person on the basis of an application for credit submitted in
<br /> "Control" means having the ability to direct the management person? Yes
<br /> and policies of the entity in question, whether directly or No
<br /> indirectly. Each Client Affiliate must be listed on Exhibit A in
<br /> order to receive Information Services under this Agreement.
<br /> Additional Client Affiliates may be added upon written notice Vermont Law Certification:
<br /> to Equifax. Client represents and warrants that it has the full
<br /> power and authority to bind each Client Affiliate to every Client certifies that it will comply with applicable provisions
<br /> obligation of Client in this Agreement and Client's signature under Vermont law. In particular, Client certifies that it will
<br /> to this Agreement will bind each Client Affiliate. At Equifax's order the Information Services relating to Vermont residents
<br /> request, Client will cause any Client Affiliate to provide that are credit reports as defined by the Vermont Fair Credit
<br /> Equifax with a written certification substantially similar to the Reporting Statute,9 V.S.A. §2480e(1999), as amended(the
<br /> one made by Client in Section 1.3. References throughout "VFCRA"), only after Client has received prior consumer
<br /> this Agreement to "Client" will apply as well to any Client consent in accordance with VFCRA Section 2480e and
<br /> Affiliate using the Information Services, as appropriate. applicable Vermont Rules. Client further certifies that the
<br /> attached copy of VFCRA Section 2480e and applicable
<br /> 3. FCRA Certifications. Client certifies that it will order Vermont Rules were received from Equifax, as referenced on
<br /> the Information Services that are consumer reports, as Exhibit D.
<br /> defined by the Federal Fair Credit Reporting Act, 15 U.S.C.
<br /> 1681 et. seq., as amended (the "FCRA"), only when Client 4. Territory. Client may access, use and store the
<br /> intends to use the consumer report: (a) in accordance with Information Services and all information and data provided or
<br /> the FCRA and all state law FCRA counterparts, and (b) for obtained through use of the Information Services (the
<br /> one of the following FCRA permissible purposes: 0) in "Equifax Information") only at or from locations within the
<br /> connection with a credit transaction involving the consumer territorial boundaries of the United States, Canada, and the
<br /> on whom the consumer report is to be furnished and
<br /> Standard Agreement for Service—On Line Services Only LRD 4/29/099 2 1
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