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N. California and Vermont Users <br />i. <br />ii. <br />Subscriber agrees to comply with all applicable provisions of the California Credit Reporting Agencies <br />Act. Subscriber certifies that it              IS                   IS NOT a “Retail Seller”, as defined in Section <br />1802.3 of the California Civil Code, doing business in California and issues credit to consumers who <br />appear in person that it will instruct its employees and agents to inspect a photo identification of the <br />consumer at the time the application is submitted in person. This paragraph does not apply to an <br />application for credit submitted by mail. <br />Subscriber acknowledges that it has received and reviewed a copy of the “Requirements for California <br />and Vermont Users.” (See Exhibit “C”) <br />O.Subscriber further agrees that it will be solely responsible to ensure and require that each of its users meets and <br />complies with applicable federal, state and local laws, rules, and regulations relating to its use of the Services <br />and to the provision to ONLINE of Subscriber’s Records.   Relevant laws include but are not limited to: <br />i. <br />ii. <br />Establishing reasonable procedures to insure that its employees will not request Services relating to <br />themselves, their families, friends, or request consumer information on other persons other than as <br />permitted by the FCRA, ONLINE, and this Agreement. <br />Where adverse action is taken against a consumer that is based in whole or in part on the information <br />contained in a consumer report provided by ONLINE, consistent with the responsibilities under the Fair <br />Credit Reporting Act, Subscriber shall notify the Consumer to direct consumer inquiries to the CRA that <br />provided the report and contained on the adverse action notice for such report. <br />P.Record Retention: The Federal Equal Opportunities Act states that a creditor must preserve all written or <br />recorded information connected with an application for 25 months. In keeping with the ECOA, the credit <br />reporting agency requires that you retain the credit application and, if applicable, a purchase agreement for a <br />period of not less than 60 months. When conducting an investigation, particularly following a breach or a <br />consumer complaint that your company impermissibly accessed their credit report, the credit reporting agency <br />will contact you and will request a copy of the original application signed by the consumer or, if applicable, a <br />copy of the sales contract. “Under Section 621 (a) (2) (A) of the FCRA, any person that violates any of the <br />provisions of the FCRA may be liable for a civil penalty of not more than $3,993 per violation.” <br />5.RESERVED <br />5 <br />DocuSign Envelope ID: ED55B3D5-BAD0-45B4-977B-F09C4091C16A