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Acranet - New Account Set-up
44CRAnet THE INFORMATION NETWORK www.ACRAnet.com MORTGAGE REPORTING • EMPLOYMENT SCREENING 521 W Maxwell Ave • Spokane, Wa • 99201-2417 Customer Service Direct: 509 324-1249 • 1 800 304-1249 Fax 509 324-1240 • 1 800 845-7435 "National Coverage with Local Service" TENANT SCREENING • COMMERCIAL REPORTING ACRAnet NEW ACCOUNT SET-UP FORM Please fill out and sign the attached contracts. Please fax the information back, Attention (your Account Representative's Name) at 1-800-845-7435, so we can immediately start processing your application. To complete the setup of your new account, mail the originals back to: ACRAnet Attn: New Member Processing 521 W. Maxwell Ave. Spokane, WA 99201 Thank you again for choosing ACRAnet for your information needs. Attaching the below referenced information will help expedite approval of your application. If an item does not pertain to your circumstances please mark it as N/A. We cannot complete processing, however, without these items. First, how did you hear about us? Contacted by Account Manager Yellow Pages Internet is Other ,t '-- Drop Down List (LOS etc.) Ad/Tradeshow Referral If referral, please list name/company EY Application for Service signed by principal/signatory shee J river's License scanned or mailed only). Note: driver's license copy not required for publicly traded companies traded /on nationally recognized exchange stock exchange. Service Agreement signed by principle/signatory E ' Copy of Articles of Incorporation OR Incorporation Number (must include State incorporated in) see ©' Copy of the current lease to include length, starting and ending dates t.+/p� Er Copy of Business License AND/OR Copy of the Articles of Incorporation and Articles of Partnership, a copy of the Federal Tax ID Certificate or a copy of the State Tax ID Certificate Note: Application for certificate is not acceptable documentation 9140012-93 LCopy of Broker License (Mortgage clients onl Items to the right are MANDATORY to complete membership processing. Please assure that your application packet is complete at the time of submission to help ensure prompt processing and to reduce delays. J Y) NIA Copy of Phone Listing (If too new to be listed, please include a copy of your most recent phone bill) S e ❑ Completed Physical Inspection - $100 00 refundable deposit* required at time of application k Signed Personal Guarantee addendum for sole proprietorships and small corporations N/ Copy of voided check off of business account Note: If paying physical inspection by check disregard this item SW% ❑ Letter of Intent on company letterhead, must be signed by an officer, owner, or authorized manager Must include: Nature of Business, intended use for the services, anticipated monthly volume, and anticipated geographical use (local, regional, or national) ACRAnet membership processing will initiate the order of the inspection upon receipt of a complete application packet and preliminary credit review Please be aware that you will be contacted by our contracted inspection company shortly This new repository mandated requirement takes three to five business days to be returned. A 'rush order' is available with a two day turn time for an additional $20 00 Orders must be placed by 10.00 a.m. PST in order to have them posted the same day *90 days from the date of approval, a credit may be issued based on usage. From $0.00 to $299 00 = no credit. From $300 00 to $599 = $50.00 credit. > S600.00 = full credit. The deposit will be issued as a credit on your account. The dollars may be accrued with any combination of products but do not include sales tax. TENANT SCREENING CUSTOMERS: All Tenant Screening applicants must provide, in addition to the above requirements, either a demonstration of membership in a recognized Apartment Association or a minimum of three (3) completed and signed rental applications (new or existing). Additionally, apartment management companies must provide a signed list of all apartment complexes under the company If an end user is an individual landlord, proof of property ownership must be provided. New Account Set Up Form r100907060 -TB 44CRAnet The Information Network www.ACRAnet.com APPLICANT PROFILE: Firm Name('.ity of YaI1 1). Alia of riShbab 61 tiatima, ('1) ) 575-C!0lo For ACRAnet Use Only Company Name Subscriber # Application for Service Phone Number (60/ ) 575—(1 /a/ Fax Number Website: WWW ileti.l)C(• CJ'U✓ / e -Mail. Address* (Street). / 12- S • Ftp- S%y-&-T Mailing Address: //9, 5. got Sircef City: t-fiutare() Years in Business: 3 % State: /A Zip gtrIN Length of time at location: 39 *If at location less than two years, please include previous address. If billing address differs, please indicate. If parent company is applicable, please indicate. Attach separate sheet if required. Parent company: Yes ❑ NoP(listed below) NIA Address* (Street) Mailing Address: City: State: Zip Phone: ( ) Fax. Type of entity of applicant: Sole Propnetorship: ❑ Partnership ❑ Corporation: ❑ LLC:. ' Other: elovey Q&( State/Date of Incorporation / 14sW Federal ID Tax #: Principals (Owners, Partners, Officers, �LLC /�Members) Name: Tony D ' Ps,nl QL►✓ ICX. VI �'y MGhlirer reg,' Address: OA N®p-w 2 rf( Sf• City/State/Zip. SSN. / / Title: CA +l 111 eri ,r Naame: ya u Address: Stu Dooloy 17.6) Nam')� 2."44 C +. y/�%�i t City/State/Zip: Title:Pkteh 4S/k/5 -1yl�/1Y g up OO 293 YotilmA, MI- 1E101 Yent1wv TO 01 The below items are required by the repositories: Applicant Requests Reports for the Following Purpose/Intent (Be as specific as possible): Hone e. ,�1� +I2S, geron, 'd- '& , !)e lei- Ct i'rouJia -1 Access to Credit Reports Will Be: CkLocal ❑ Regional ❑ National Intended Monthly Volume: Type of Business: lovei(liveyupL- {-i-)-y 3 OPTIONAL PAYMENT INFORMATION: Credit Card Type: ❑ MC )(VISA Card #.xp' ation Date I 5 Name As it appears on Card: 4YGhlt Mali-hMMS Signature: Credit Card Billing Address if Different from listed: XCheck here to authorize monthly credit card deductions. ACRAnet Application for Service 102507 - TB 1 REFERNCES: Business Banking: Name: y PAYUL Phone: 'V45575-V70?)City/State/Zip: yQ /G aro( (4, ( q8-9 QChecking Account Business Credit References: Name: ()AC J)/(J:UGS `` /V j4J . Phone: 1-1R' 4-153. 3) 8S I City/State/Zip: Valiin ,-7 / � J Name: lC..(Q �setic XI'G Phone: g%g ' ID (.CJS Account #• City/State/Zip: nii U/}- e)/AS) 01 Account #• Bonded: Yes ❑ No El If yes: Bonding Agency Name Ci4y crE *alma_ , s Se) Phone Number:( 50't ) 575-- -- 11070 Amount of Bond: ASIZ-•G)T,ty 'pp1r 1,.fialret Names of firm(s) you /Thou have purchased credit reports from in the past: Name: / 6 ,I,I fax L 'aten, ep (v 1Ci.ue.eA Phone: �rn ' 333.00'57 City/State/Zip: %an7k, 64— 303(4- 5835 Account # Name: Phone: City/State/Zip: Account #: MORTGAGE REPORTING CUSTOMERS ONLY: Names of Wholesale and/or Investment firm(s) you have brokered to: Name: Phone: City/State/Zip. Contact Name: Name: Phone: City/State/Zip: Contact Name: Name: Phone: City/State/Zip: Contact Name: (optional) List Loan Origination Software Package (LOS) you are currently using Ver The below signed individual gives permission for ACRAnet to investigate the applicant for membership. This may include accessing credit reports on all officers, partners, and signors to the application. Property Owners/Landlord may be required to submit copy of tax statement as proof of ownership of rental property. Processing fee (if applicable) $ ACRAnet Applicant Accepted By: Signature must be by an Owner, Manager, or Officer. Date. Type/Print n Name: �ik�QnJ O� A,u4 fOAL /1114111.: Please return completed contracts to: ACRAnet, 521 W Maxwell, Spokane, WA 99201 Attention. New Accounts Processing Phone: 1-800-304-1249 Fax: 1-800-845-7435 ACRAnet Application for Service 102507 - TB Title: Signed: Date 2 ACRAnet 2014 Product Pricing Basic Infile Credit Report Services 11 Tri Merge Individual Application Basic Credit Reports' One Bureau Two Bureaus $5.20 $9.40 514.75 Basic Credit Reports `Price of one or two repository report may vary based on repository(ies) selected Add on services and LOS fee not Included Joint Application One Bureau Two Bureaus $9.80 $16.60 TrI Merge 524.20 `Price of one or two repository report may vary based on repository(ies) selected. Add on services and LOS fee not included. LQI Check Up Reports N/A N/A $13.60 LQI Check Up Reports N/A N/A $23.40 Add on services and LOS fee not Included. Add on services and LOS tee not included. Fannie Mae Fannie Mae Automated Underwriting** N/A N/A 520.30 Automated Underwriting" N/A N/A $31 45 Re -issue N/A N/A 54.00 Re -Issue N/A N/A 54.00 ^Pnce includes tnmerge report. scores. and fraud. LOS tee not included. "Pnce includes tnmerge report, scores. and fraud LOS tee not included. Freddie Mac LP Underwriting** 520 30 LP Underwriting" $31.45 Reformat N/A N/A $4 00 Reformat N/A N/A 54.00 'Trice includes tnmerge report, scores, and fraud LOS fee not included. "Price includes tnmerge report, scores. and fraud. LOS fee not included. Freddie Mac Add on Services Bureau Services FICO Scores 50A0 50 80 5120 FICO Scores 50.80 51.60 $2.40 Fraud 50.35 50 35 50.35 Fraud 50.70 50.70 50.70 Soc. Search 55.00 55 00 $5.00 Soc. Search 510.00 510.00 510.00 OFAC 51.00 5100 51.00 OFAC 52.00 $2.00 $2.00 Colorado Surcharge"' 51.00 52.00 53.25 Colorado Surcharge"` 52.00 54.00 56.50 "`applies only to consumers with a Colorado address & will vary based on repository(ies) selected "`applies only to consumers with a Colorado address 8 will vary based on repository(ies) selected Bureau Services Add on Services Byte Calyx E-3 E -Pass Mortgage Bot Mortgage Builder Open - Close LOS Transaction Fee One Bureau Two Bureaus 50.50 50.90 5110 5110 51.50 50.50 51.65 $0.50 50.65 51.50 51.00 $1.65 50.90 $1.00 Tax Verification Tri Merge Product 1st ear eac add, year 51.35 Form 1040 $12.00 $5.00 Individual or Joint 51 10 Form 1065 512.00 $5 00 per person / per business 51.50 51.50 51.65 51.35 $1.35 Customer Support Services & Products Residential Mortgage Credit Report (RMCR) Tradeline Updating Online Requests Fax or Telephone Requests Reference Checks Rapid Rescore (Per Item, Per Bureau) One Borrower Two Borrowers Letter Generator Credit Scoring Tools*** What if Simulator Credit Essentials Credit Detective Credit Assure $70.00 W-2 512.00 $5.00 per person Form 1099 $12.00 55.00 per person Form 1120 512 00 55.00 per person ACRAnet Packages i Basic Package $10.00 r This is our ala carte credit report. For additional add-on services. see above pricing. r 514.00 LOS tee not included • I $14 75 Individual/$24.20 Joint I 514.00 Silver Package $32.00 ' Includes trimerge credit report, scores, and fraud. 552.00 I, LOS fee not included -_-_- -,-,-_-_$16.30 Individual/$27.30 Joint 510.00 Gold Package 55.00 Includes tnmerge credit report, scores, fraud, and OFAC. $5.00 I LOS Inc not included $55.0o j-,-_-_-_-_-_-,$17.30Individual/$29_30 Joint 5020 ***Price is per borrower, per product. One price for 30 days usage from date of origination of report. Business Inftle - NACM Mortgage Price List - Basic Final 123113 Don't see the package for you? Contact your ACRAnet Account Manager today 535.00 to develop a specialized plan to meet your needs. Secondary Use Individual Joint Tri Merge All prices are subject to change 57.30 $14.35 r� The Information Network www.ACRAnet.com For ACRAnet Use Only Company Name: Client # CLIENT SERVICE AGREEMENT Mortgage Reporting ("Agreement") A if This Agreement is made as of the date indicated below by and between U 1 \1 yV'%na l!'>•rrCQ �7 NG�4139%� /�J�� the undersigned (hereinafter referred to as `"Client") and ACRAnet, Inc aNevad Corporation (hereinafter referred to as "ACRAnef I. Client desires to receive consumer reports, credit worthiness scores, and other information (each and all of such reports, credit worthiness scores and other information being hereinafter included within the term "Consumer Reports") from ACRAnet. Client agrees that the Consumer Reports will be ordered and used by Client, subject to the terms and conditions of this Agreement and applicable law II. Client represents, warrants and covenants to ACRAnet that: A. Client is not a private detective, media, news agency or journalist, detective agency, investigative company, bail bondsman, attorney, law firm, law enforcement, dating service, asset location service, future services, adult entertainment of any kind, check cashing service, massage service, pawn shop, tattoo service, credit or financial counseling firm, "credit repair clinic," internet locator service, diet center, adoption search firm, or a person that will not be an end-user of the Consumer Reports. Client will notify ACRAnet immediately if any of the foregoing changes. B Client certifies that Client will order Consumer Reports solely for one of the following purposes (Client agrees that other permissible purposes, such as employment screening, may require additional agreements) and for no other purpose: initial only the following which apply. Initial here. 'J (1) In connection with a mortgage loan origination involving the consumer on whom the information is to be furnished and involving the extension of credit to the consumer Initial here (2) As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, a mortgage credit obligation. Initial here (3) In connection with a quality control program done on loans that Client originated. Client will order Consumer Reports only for Client's exclusive use, hold the Consumer Reports in strict confidence, and will not resell or otherwise disclose Consumer Reports (or any part thereof), except to the consumer or if adverse action has been taken based on the Consumer Report and/or is otherwise required by law Client will (1) verify the identity of each consumer who is the subject of the Consumer Reports; (2) refer consumers to ACRAnet for all substantive inquiries regarding the Consumer Reports; (3) permit ACRAnet to audit, during business hours and without prior notice, Client's use of Consumer Reports, procedures and to assure compliance with this agreement and the Fair Credit Reporting Act. Client will not transmit any Consumer Report through the Internet without ACRAnet's prior written consent; and (4) Client will retain permissible purpose documentation for a minimum of five years after date of access. 111. The Fair Credit Reporting Act ("FCRA") provides that any person "who knowingly and willfully obtains information on a consumer from a consumer reporting agency (such as ACRAnet) under false pretenses shall be fined under Title 18, United States Code, imprisoned for not more than two years, or both." Client acknowledges that ACRAnet has provided Client a copy of the FTC's "Notice to Users of Consumer Reports: Obligations of Users under the FCRA," attached hereto, marked Attachment "A" Client agrees to comply with all requirements of the FCRA and other applicable laws in ordering and using Consumer Reports. IV A. Client shall indemnify, defend, and hold ACRAnet, its agents and its data resources including, but not limited to, Equifax, Trans Union and Experian and their respective agents, employees and independent contractors (herein collectively referred to as "Data Providers") harmless from and against any damages, losses, obligations, liabilities, claims, actions or causes of action (each and all of such items being hereinafter separately and collectively referred to as the "Claim") sustained or suffered by ACRAnet arising out of or relating to - (1) Any breach of any representation, warranty, covenant or agreement made by Client in this Agreement, or in any certificate, instrument or agreement delivered by Client pursuant hereto or thereto or in connection with the transactions contemplated hereby or thereby or any facts or circumstances constituting such breach (2) Any Claim by any consumer or any other third party, except to the extent directly caused by Clients gross negligence. (3) Any Claim sustained or suffered by Client arising out of or relating to Client's execution, delivery or performance of this Agreement. (4) All reasonable costs and expenses (including, without limitation, reasonable attorneys', accountants' and other professional fees and expenses) incurred by then in connection with any action, suit, proceeding, demand, assessment or judgment incident to any of the matters indemnified against under subparagraphs (1), (2) and (3) immediately above. (5) Any Claim resulting from the publishing or other disclosure of the Consumer Report and/or credit scores. ACRAnet, Inc. — Mortgage Service Agreement 0310 Initial Page 1 of3 B. ACRAnet shall give written notice to Client of any assertion of liability by a third party which might give rise to a Claim by ACRAnet against the Client based on the indemnity contained herein, stating the nature and basis of said assertion and the amount thereof, to the extent known. C The defense of any suit, action, legal proceeding or administrative proceeding (each and all of such suits, actions, legal proceedings and/or administrative proceedings being hereinafter referred to as the "Proceeding") that may be threatened, brought or instituted against ACRAnet on account of any matter which is or may be the subject of the indemnity provided for herein shall be conducted at the sole expense of Client by legal counsel unilaterally selected by ACRAnet. D ACRAnet shall be kept fully informed by Client at all stages of the Proceeding. Client shall not make any settlement in or with respect to any Proceeding without the prior written consent of ACRAnet. Nothing contained herein shall mean or be construed to mean that ACRAnet shall not have the right to participate in the Proceeding represented by legal counsel unilaterally selected by ACRAnet. E. If Client does not assume the defense of any such Claim or litigation resulting there from, ACRAnet may defend against such Claim or litigation, after giving notice of the same to Client, on such terms as ACRAnet may deem appropriate, and Client shall be entitled to participate in (but not control) the defense of such action, with Client's legal counsel and at Client's own expense. If Client thereafter seeks to question the manner in which ACRAnet defended such Claim or the amount or nature of any such settlement, Client shall have the burden to prove by a preponderance of the evidence that ACRAnet did not defend or settle such Claim in a reasonably prudent manner F The remedies provided for in this Section shall be cumulative and shall not preclude assertion by ACRAnet of any other rights or the seeking of any other remedies against Client. G Client acknowledges ACRAnet's Access Security Requirements, attached hereto, and incorporated herein by reference. Client agrees to comply with all such requirements, as may be modified by ACRAnet from time to time, and to give all employees, agents and subcontractors of Client a copy prior to providing them authority to order, or any other access to, Consumer Reports. Client agrees to take all necessary measures to prevent unauthorized access to information through ACRAnet. Client will keep access codes strictly confidential and will establish and enforce policies allowing access to information only as permitted by State and Federal Regulation including Washington State Fair Credit Reporting Act (RCW 19 182.005, et seq) or Federal Fair Credit Reporting Act 15 U.S C 168(b) et seq. ("FCRA"). V The accuracy, completeness, and validity of Consumer Reports are not guaranteed by ACRAnet and its agents, and all Consumer Reports are provided "AS IS." ACRANET AND ITS AGENTS MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF NIERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING OR A COURSE OF PERFORMANCE, WITH RESPECT TO CONSUMER REPORTS INCLUDING, WITHOUT LIMITATION, WITH RESPECT TO THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY CONSUMER REPORT, THAT SUCH CONSUMER REPORT WILL MEET CLIENT'S NEEDS, OR THAT SUCH CONSUMER REPORT WILL BE PROVIDED ON AN UNINTERRUPTED BASIS, AND ACRANET AND ITS AGENTS EXPRESSLY DISCLAIM ALL SUCH REPRESENTATIONS AND WARRANTIES. ACRAnet, its agents and its Data Providers will not be responsible or liable for any loss or damage caused by any delay or failure to provide Consumer Reports hereunder or any inaccuracy, incompleteness, or invalidity of any information in a Consumer Report, unless caused by ACRAnet's gross negligence. Client releases ACRAnet, its agents and its Data Providers harmless from all such liabilities including, without limitation, indirect. consequential, and special damages and damages for loss of profits, whether incurred by Client or any consumer or other person, whether based on contract, tort (including, without limitation, negligence, duty to warn, strict liability) warranty, or any other legal theory or on equitable grounds, even if they have been advised of the possibility of such damages. Client agrees that their maximum liability for damages in connection with a Consumer Report will not exceed an amount equal to the price paid by Client for such Consumer Report, and that the foregoing limitations, exclusions, and releases are an essential part of this Agreement and form the basis for determining the price of Consumer Reports. VI Client will pay ACRAnet, according to ACRAnet's fee schedule as in effect from time to time. ACRAnet acting through its sales agents may change fees upon written notice to Client. Client's account is delinquent if not paid in full within 10 days after the billing statement date. Upon default, Client shall pay a late charge of 1.5 percent per month on past due amounts and will be subject to suspension of Consumer Reports hereunder until all amounts owed have been paid in full at the option of ACRAnet acting through its sales agents. Client shall pay all reasonable attorneys' fees and collection costs incurred by ACRAnet or its sales agent in collecting any delinquent account, whether or not arbitration is instituted. VII. Either party may terminate this Agreement, without cause, with a five (5) day prior written notice to the other party ACRAnet may terminate this Agreement immediately upon oral or written notice to Client, if Client is in breach of any of Client's obligations with respect to permissible use of, or prevention of unauthorized access to, Consumer Reports. Or if Client breaches any terms of this Agreement, including but not limited to (a) failure to pay amounts when due, (b) violation of the Fair Credit Reporting Act; or (c) refusal to fully cooperate in allowing access of necessary records for an audit pursuant to Section 11(3) of this Agreement. Any Supplements to this Agreement terminate when the Agreement terminates. The termination of this Agreement shall not terminate any of Client's obligations hereunder VIII. Each party shall execute and deliver all such further instruments, documents and papers, and shall perform any and all acts necessary to give full force and effect to all of the terms and provisions of this Agreement. IX. This Agreement, and all provisions hereof, shall inure to the benefit of and be binding upon the parties hereto, their respective successors in interest, assigns, administrators, executors, heirs and devisees. X. In the event of any dispute between or among the parties hereto respecting or arising out of this agreement, the successful or prevailing party shall be entitled to recover reasonable attorneys' fees and other costs in connection therewith, including any attorneys fees incurred after any ACRAnet, Inc. — Mortgage Service Agreement 0310 2 Initial Page 2 of 3 arbitration award. An arbitration award, and any judgment entered thereon, shall include an attorneys' fees clause which shall entitle the prevailing party to recover attorneys' fees incurred to enforce the award or judgment, which attorneys' fees shall be an element of post -award or judgment costs. The parties agree that this attorneys' fees provision shall not merge into any arbitration award or judgment. XI No amendment or modification of this Agreement or of any covenant, condition, or limitation herein contained shall be valid unless in writing and duly executed by the party to be charged therewith. XII. This Agreement shall be governed by and construed in accordance with the laws of the State where the ACRAnet branch servicing this account resides and without regard to the conflicts of laws principles thereof. XIII. Any controversy, claim or dispute between or among the parties hereto, including tort and contract claims, shall be determined by binding arbitration conducted in the county in which the ACRAnet branch servicing the account is located. The parties agree that this forum and venue is not inconvenient or improper Arbitration shall be administered by the American Arbitration Association in accordance with its commercial rules then in effect and a judgment on the award may be entered in any court of competent jurisdiction. The arbitration shall be by a single arbitrator chosen by the parties, or if they cannot agree within five (5) days of exchanging names of proposed arbitrators, by a single arbitrator appointed in accordance with the rules and procedures of the American Arbitration Association. Notwithstanding any other provision of this agreement, either party may, without conflict with this arbitration provision, seek interim provisional, injunctive, or other equitable relief until the arbitration award is rendered or the controversy is otherwise resolved. XIV Each party is duly authorized to enter into and perform this Agreement, and if such party is a corporation or limited liability company, all appropriate and necessary action has been taken by such corporation or limited liability company to authorize the signing and performance of this Agreement. XV ACRAnet may assign ACRAnet's rights under this Agreement without the consent or approval of Client. Client may not assign Client's rights or delegate Client's duties under this Agreement without the prior written consent of ACRAnet. This agreement is effective when ACRAnet accepts it. XVI Client acknowledges that it has received and reviewed a copy of the "Notice to Furnishers of Information: Obligations of Furnishers under the FCRA" (See Attachment B, Appendix B to part 601- Prescribed Notice of Furnisher Responsibilities.) XVII. Client acknowledges that it has received and reviewed a copy of the "Credit Scoring Services." (See Attachment C ) XVIII. Client acknowledges that it has received and reviewed a copy of the "Access Security Requirements." (See Attachment D ) Initial here Client will notify ACRAnet immediately as any approved User leaves or is terminated so that the User can be deactivated from the ACRAnet system. XIX. Client acknowledges that it has received and reviewed a copy of the "Requirements for Califomia and Vermont Users." (See Attachment E.) XX. Client will address any written notice to ACRAnet required by this Agreement to President, ACRAnet, 521 West Maxwell, Spokane, WA 99201 or another address designated in writing by ACRAnet to Client. ACRAnet will address any written notice required by this Agreement to Client at the address noted below or another address designated in writing by Client to ACRAnet. Street: 111 5• City- ) a 4. ) n&- State/Zip W A 19 Di 0 XXI. This Agreement, together with any addendum hereto, constitutes the entire Agreement between the parties, and supersedes any prior written or oral communications, proposals, and agreements with respect to such subject matter Letter agreements may not conflict with this Agreement and may address only pricing, administrative fee, minimum monthly usage, minimum monthly charges and deposit, which shall be subject to change by ACRAnet on thirty (30) days' written notice unless otherwise specified. No changes in this Agreement or any supplement may be made except in writing bythePresidentidjof ACRAnet, Inc.c Company- Ct4 01Ya ?Jl►ivt AlO iO Q� / """ACRAnet, Inc 11.��' � lilkvrl'� Signature l Signature Name of signor 4I'l-Ar'e- frt. 141 A' e S 5 Name of signor (Print or Type) (Print or Type) Title- 0A/O5 ii%AN e r Title: Date: 7//41/4,1 Date: Please return completed contracts to: ACRAnet, Inc. 521 W Maxwell Spokane, WA 99201-2417 Attention: New Accounts Processing Phone: 1-877-860-6248 Fax: 1-877-860-6249 ACRAnet, Inc. — Mortgage Service Agreement 0310 3 XIV XV arhiUauon award. An arbdnUion award, and any lodgment enured thereon, shall :nclutk an attiar.eyi lees clause which shalt entitle the prevailing party u4 recover attorney; Is ens -wrest to enforce die award w judgment, which anorricy%• lees shall be an element of posl•aw:ud or dudgrnent soots roc parties agree that this attorneys' fee, provisos) ,hail iai merge into any arbitration award or Judgment No amendment err modification of thii Agreement uu of .any wvutanl, lintdiuun. in limitation hde.ln cnntmned shall be valid unless it writing and July sac uta. by the paq to be dial ed therewith rho Agreement shall be govcrnad by and construed in a.:urdancc with Ute laws of the State where the ACRAuct Match servicing this account sides and without regard to the conflicts of laws pttnctples thereof Any uanroversy, claim or dispute between or among Ilse patio hereto, toolud,ng ton mut contract claim:. shall be determined by binding arbitnttton conducted in the county in which the ACRAnet bi.irtch servicing the account is located The punita agree that dos forum and venue is not nnconvement or improper Aibiuiitnn shall he administered by the Amcnean Arbitration Association in accordance with its commercial ides then in clfeet rind a Judgment on the award may he entered in any court of competent jurisdiction The arbitration shall he by a single arbitrator chosen by the parties. or if they cnnnot ogre w:thin list (5) days of exchanging names of proposed arbitraw:s, by n single arhmator appointed m accordance with We lutes and procWures of the Arterycan Ar6aratnln Association Nuswuhatauiing any other provision of this agreement. either party may, without conflict with this arbitration prnvicmm see(. 'moan provisional, r jurlctive, or other equitable relief until Ilse nrhutrati n award is rendered or ihr controversy is inkenvise resolved back parts is July tuUurvcd to cite! into :aid lei loon tos Ariccuncnt A ld a ,itch pian 1, a uaparatmn or Minted liability company, all apprignlalt' and its:t s0ay achoo bas been tal.cn h1 suet' .orlraiition or Minted hability comp art to 'sodomite We signing and performance of Ihl. Agreement AC'RArel ma) assign ACRArclb (+gbh ,mica this Ago anent without the figment ns approval of !'hent Client may not assign Client's rrghu or delegate Clients dune. wide! Otto Agteemcnt withiiit the prior written consent of ACRAnet Ibis agreement Is effrtcuve when ACRAnet accepts XVI Client acknossledge% that a has received and rev ewe? :s "my of rhe' 'Nosier to Fume:Is s of Information Clhlgwiuns of Furnishers under the I•CKA" (' ee Attachment 1t App.ndit 11 to pat MI - Prescribed Notice of furnisher Respomd,Juues 4 XVII (.lune xknuwkdges that 11 lies received and reviewed u lops dine 'Credit Sunung Services " rocs: Atiachmcnt l' d XVtld (•tient nkniiwltdltes that it has rtcerved and tcviewcd a copy of the "Access lecurrts kequirenents "(See Attachment I) ) e.. Initial here l tient will lushly ACR Ariel ummtxdualcl, as uns *gloved 1 titer 'eines or is wintllnated ai that the User can he deactivated from the ACRAnet system XIX Chem acknowledges that it has rcaived and reviewed a ups of the "Requirements to' Caliti+rnla and Vern -ion' Porus "{See Attachment F ) XX Client will address any written !colics to AC'RArlct required by lhu Agreement 10 President. ACRAnet, 521 West Maxwell, Spokane, WA 99201 err another address designated in wnirng by AC;kAncl to 1 tient. ACRAnet will address any written nonce required M this Agreement to t'Iheum at the dddrrss nosed below or another address designated in writing by Client to ACRAnet. Street i I2 S. $"'' S'ir f...1-4' (ply YaKt' eek, Stirejlip WA } zigial XXI This Agrccment. hugether with ;any addendum hereto: cm stfutcs the entre Agreement between the parties, and supersedes any (nun written or .ural communications, proposal. and agreement, wall respect to succi:uh:i:a Macao Letter agteertents may not conflict with this Agreement and may address only pining, admuu.uull,u ice, mmunn.m 11011th:) 11SAIN. Milli/nun, monthly charges and deposit. which shall tie subject to ehanyte In Al RA net no thirty s HO Juss so awn mane :mks, otlerw Me specrtied hu change. m thu. Agreement it any supplement man he mask escept in writing hs the Presnknr tot A(KAnet lin, (..ixnpwiy Signal we Nome til signor ride [)ale vk Flo. ivdr rf1111111111riam.— :!. h - Il•Aithfilt4s (Paint in 'type) 0A196 Sgt er 7/1f/lx Please return completed contracts on: ACKMKL 1/K 421 W titavwell Phone Spokane, WA V9201 -2417 halm 1 Attention Kew Accounts Pr«c..mg Al'RAn.n Inc Murtgeg.:mon, Agnen,ent )311' CITYCOPMIACT 11de Date -• /� —070 RESOLUTIONN0 I tl77.linu-h24ii -8 I 1860-62.110 3 9,13-1Y Pr' SEP 15 1011 ATTACHMENT "A" To: SERVICE AGREEMENT Appendix C to Part 601 Prescribed Notice of User Responsibilities This appendix prescribes the content of the required notice. NOTICE TO USERS OF CONSUMER REPORTS: OBLIGATIONS OF USERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA) requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. This first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. The FCRA, 15 U.S C. 1681-1681u, is set forth in full at the Federal Trade Commission's Internet web site (http://www ftc.gov). I. OBLIGATIONS OF ALL USERS OF CONSUNIER REPORTS A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumer's privacy All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 of the FCRA contains a list of the permissible purposes under the law These are. * As ordered by a court or a federal grand jury subpoena. Section 604(a)(1) * As instructed by the consumer in writing. Section 604(a)(2) * For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer's account. Section 604(a)(3)(A) * For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604(a)(3)(B) and 604(b) * For the underwriting of insurance as a result of an application from a consumer Section 604(a)(3)(C) * When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer Section 604(a)(3)(F)(i) * To review a consumer's account to determine whether the consumer continues to meet the terms of the account. Section 604(a)(3)(F)(ii) * To determine a consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status. Section 604(a)(3)(D) * For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604(a)(3)(E) * For use by state and local officials in connection with the determination of child support payments, or modifications and enforcement thereof Sections 604(a)(4) and 604(a)(5) In addition, creditors and insurers may obtain certain consumer report information for the purpose of making unsolicited offers of credit or insurance. The particular obligations of users of this "prescreened" information are described in Section V below B. Users Must Provide Certifications Section 604(f) of the FCRA prohibits any person from obtaining a consumer report from a consumer reporting agency (CRA) unless the person has certified to the CRA (by a general or specific certification, as appropriate) the permissible purpose(s) for which the report is being obtained and certifies that the report will not be used for any other purpose C. Users Must Notifv Consumers When Adverse Actions Are Taken The term "adverse action" is defined very broadly by Section 603 of the FCRA. "Adverse actions" include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact -- such as unfavorably changing credit or contract terms or conditions, denying or canceling credit or insurance, offering credit on less favorable terms than requested, or denying employment or promotion. 1. Adverse Actions Based on Information Obtained From a CRA If a user takes any type of adverse action that is based at least in part on information contained in a consumer report, the user is required by Section 615(a) of the FCRA to notify the consumer The notification may be done in writing, orally, or by electronic means. It must include the following: The name, address, and telephone number of the CRA (including a toll-free telephone number, if it is a nationwide CRA) that provided the report. A statement that the CRA did not make the adverse decision and is not able to explain why the decision was made. A statement setting forth the consumer's right to obtain a free disclosure of the consumer's file from the CRA if the consumer requests the report within 60 days. A statement setting forth the consumer's right to dispute directly with the CRA the accuracy or completeness of any information provided by the CRA. ACRAnet, Inc. — Mortgage Service Agreement 0310 4 2. Adverse Actions Based on Information Obtained From Third Parties Who Are Not Consumer Reporting Agencies If a person denies (or increases the charge for) credit for personal, family, or household purposes based either wholly or partly upon information from a person other than a CRA, and the information is the type of consumer information covered by the FCRA, Section 615(6)(1) of the FCRA requires that the user clearly and accurately disclose to the consumer his or her right to obtain disclosure of the nature of the information that was relied upon by making a written request within 60 days of notification. The user must provide the disclosure within a reasonable period of time following the consumer's written request. 3. Adverse Actions Based on Information Obtained From Affiliates If a person takes an adverse action involving insurance, employment, or a credit transaction initiated by the consumer, based on information of the type covered by the FCRA, and this information was obtained from an entity affiliated with the user of the information by common ownership or control, Section 615(6)(2) requires the user to notify the consumer of the adverse action. The notification must inform the consumer that he or she may obtain a disclosure of the nature of the information relied upon, by making a written request within 60 days of receiving the adverse action notice. If the consumer makes such a request, the user must disclose the nature of the information not later than 30 days after receiving the request. (Information that is obtained directly from an affiliated entity relating solely to its transactions or experiences with the consumer, and information from a consumer report obtained from an affiliate are not covered by Section 615(b)(2).) II. OBLIGATIONS OF USERS WHEN CONSUMER REPORTS ARE OBTAINED FOR EMPLOYMENT PURPOSES If information from a CRA is used for employment purposes, the user has specific duties, which are set forth in Section 604(b) of the FCRA. The user must: Make a clear and conspicuous written disclosure to the consumer before the report is obtained, in a document that consists solely of the disclosure, that a consumer report may be obtained. Obtain prior written authorization from the consumer Certify to the CRA that the above steps have been followed, that the information being obtained will not be used in violation of any federal or state equal opportunity law or regulation, and that, if any adverse action is to be taken based on the consumer report, a copy of the report and a summary of the consumer's rights will be provided to the consumer Before taking an adverse action, provide a copy of the report to the consumer as well as the summary of the consumer's rights. (The user should receive this summary from the CRA, because Section 604(b)(1)(B) of the FCRA requires CRAs to provide a copy of the summary with each consumer report obtained for employment purposes.) III. OBLIGATIONS OF USERS OF INVESTIGATIVE CONSUMER REPORTS Investigative consumer reports are a special type of consumer report in which information about a consumer's character, general reputation, personal characteristics, and mode of living is obtained through personal interviews. Consumers who are the subjects of such reports are given special rights under the FCRA. If a user intends to obtain an investigative consumer report, Section 606 of the FCRA requires the following: The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered to the consumer, not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and must include the summary of consumer rights required by Section 609 of the FCRA. (The user should be able to obtain a copy of the notice of consumer rights from the CRA that provided the consumer report.) The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation that was requested. This must be made in a written statement that is mailed, or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer, or the report was first requested, whichever is later in time. IV. OBLIGATIONS OF USERS OF CONSUMER REPORTS CONTAINING MEDICAL INFORMATION Section 604(g) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report. In the case of medical information being sought for employment purposes, the consumer must explicitly consent to the release of the medical information in addition to authorizing the obtaining of a consumer report generally V. OBLIGATIONS OF USERS OF "PRESCREENED" LISTS The FCRA permits creditors and insurers to obtain limited consumer report information for use in connection with unsolicited offers of credit or insurance under certain circumstances. [Sections 603(1), 604(c), 604(e), and 615(d)] This practice is known as "prescreening" and typically involves obtaining a list of consumers from a CRA who meet certain pre -established criteria. If any person intends to use prescreened lists, that person must (1) before the offer is made, establish the criteria that will be relied upon to make the offer and to grant credit or insurance, and (2) maintain such criteria on file for a three-year period beginning on the date on which the offer is made to each consumer In addition, any user must provide with each written solicitation a clear and conspicuous statement that: Information contained in a consumer's CRA file was used in connection with the transaction. The consumer received the offer because he or she satisfied the criteria for credit worthiness or insurability used to screen for the offer Credit or insurance may not be extended if, after the consumer responds, it is determined that the consumer does not meet the criteria used for ACRAnet, Inc. — Mortgage Service Agreement 0310 5 screening or any applicable criteria bearing on credit worthiness or insurability, or the consumer does not furnish required collateral. The consumer may prohibit the use of information in his or her file in connection with future prescreened offers of credit or insurance by contacting the notification system established by the CRA that provided the report. This statement must include the address and toll-free telephone number of the appropriate notification system. VI. OBLIGATIONS OF RESELLERS Section 607(e) of the FCRA requires any person who obtains a consumer report for resale to take the following steps: Disclose the identity of the end-user to the source CRA. Identify to the source CRA each permissible purpose for which the report will be furnished to the end-user Establish and follow reasonable procedures to ensure that reports are resold only for permissible purposes, including procedures to obtain: (1) the identity of all end-users; (2) certifications from all users of each purpose for which reports will be used; and (3) certifications that reports will not be used for any purpose other than the purpose(s) specified to the reseller Resellers must make reasonable efforts to verify this information before selling the report. VII. LIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result in state or federal 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) ACRAnet, Inc. — Mortgage Service Agreement 0310 6 ATTACHMENT "B" To: SERVICE AGREEMENT Appendix B to Part 601 Prescribed Notice of Furnisher Responsibilities This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act (FCRA), as amended, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA. State law may impose additional requirements. All furnishers of information to CRAs should become familiar with the law and may want to consult with their counsel to ensure that they are in compliance. The FCRA, 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission's Internet web site (http://www.ftc.gov). Section 623 imposes the following duties: General Prohibition on Reporting Inaccurate Information: The FCRA prohibits information furnishers from providing information to a consumer reporting agency (CRA) that they know (or consciously avoid knowing) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C) Duty to Correct and Update Information: If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623(a)(2) Duties After Notice of Dispute from Consumer: If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is in fact inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623(a)(1)(B) If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute Section 623(a)(3) Duties After Notice of Dispute from Consumer Reporting Agency: If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must: Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer Sections 623(b)(I)(A) and (b)(1)(B) Report the results to the CRA, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623(b)(1)(C) and (b)(1)(D) Complete the above within 30 days from the date the CRA receives the dispute (or 45 days, if the consumer later provides relevant additional information to the CRA). Section 623(b)(2) Duty to Report Voluntary Closing of Credit Accounts: If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623(a)(4) Duty to Report Dates of Delinquencies: If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer's file. Section 623(a)(5) ACRAnet, Inc. — Mortgage Service Agreement 0310 7 l' AV lig R net The Information Network www.ACRAnet.com Attachment "C" For ACRAnet Use Only Company Name Subscriber # Credit Scoring Services Client is a credit grantor that purchases Consumer Reports from ACRAnet pursuant to the Agreement in connection with credit transactions involving the consumer subjects of such Consumer Reports. As an enhancement to the basic Consumer Report, ACRAnet has offered Client the opportunity to purchase one or more credit risk scores provided by Trans Union, Equifax, or Experian, including, but not limited to, Fair Isaac & Co. (FICO) and Vantage score models. Use of these scoring models may require additional addendums and be subject to additional terms of use. Client recognizes that all credit risk scores offered hereunder are statistical scores and may not be predictive as to any particular individual. No such score is intended to characterize any individual as to credit capability Client recognizes that factors other than credit risk scores should be considered in making a credit decision, including the Credit Report, the individual credit application, economic factors, and various other pertinent information. A statement of the factors that significantly contributed to the credit risk score may accompany the score. If so, such information may be disclosed to the consumer as the reason for taking adverse action, as required by Regulation B However, the credit risk score itself is proprietary and may not be used as the reason for adverse action under Regulation B In addition, under the Fair Credit Reporting Act, credit risk scores are not considered part of the consumer's file Accordingly, Client agrees only to disclose the actual credit risk score to the consumer when accompanied by the corresponding reason codes or otherwise required by law CLIENT HAS MADE ITS OWN ANALYSIS OF THE CREDIT RISK SCORE OR SCORES SELECTED BY CLIENT, INCLUDING THE RELIABILITY OF USING SUCH SCORES IN CONNECTION WITH CLIENTS'S CREDIT DECISION. ACRANET AND ITS AGENTS SHALL NOT BE LIABLE FOR ANY LOSS, COSTS, DAMAGES, OR EXPENSE INCURRED BY CLIENT RESULTING FROM CLIENT'S USE OF CREDIT RISK SCORES, OR THE INACCURACY THEREOF IN NO EVENT SHALL ACRANET NOR ITS AGENTS BE LIABLE TO CLIENT FOR ANY INCIDENTAL, INDIRECT, PUNITIVE, OR CONSEQUENTIAL DAMAGES FOR A CLAIM BY CLIENT RESULTING FROM CLIENT'S USE OF ANY CREDIT RISK SCORE. THE TOTAL AGGREGATE LIABILITY OF ACRANET AND ITS AGENTS FOR A CLAIM BY CLIENT RELATED TO CLIENT'S USE OF ANY CREDIT RISK SCORE SHALL NOT EXCEED THE SURCHARGE PAID BY CLIENT FOR THE CREDIT RISK SCORE TO WHICH SUCH CLAIM RELATES Client certifies that in using the FICONANTAGE Credit Scoring Models that: A. Client will only use the permissible purpose as outlined within the ACRAnet Client Service Agreement (hereinafter referred to as "Agreement") and the Application for Service in accordance with the FCRA to obtain the information derived from the Fair Isaac and Company Scoring Model (hereinafter referred to as "FICO") or the Vantage Scoring Model. B Client will limit Client's use of the scores and reason codes solely to use in Clients own business with no right to transfer or otherwise sell, license, sublicense or distribute said scores or reason codes to third parties. C. Client will maintain internal procedures to minimize the risk of unauthorized disclosure and agree that such scores and reason codes will be held in strict confidence and disclosed only to those employees with a "need to know" and to no other person. D Notwithstanding any contrary provision of the Agreement, Client may disclose the scores provided to Client under the Agreement to the consumer, when accompanied by the corresponding reason codes, in the context of bona fide lending transactions and decisions only as required by law E. Client will comply with all applicable laws and regulations in using the scores and reason codes purchased from ACRAnet. F Client or any of its employees, agents or subcontractors will not use any trademarks, service marks, logos, names, or any other proprietary designations, whether registered or unregistered, of the Data Providers or Fair, Isaac and Company, or their affiliates without such entity's prior written consent. G Client will not in any manner, directly or indirectly attempt to discover or reverse engineer any confidential and proprietary criteria developed or used by the Data Providers/Fair, Isaac in performing the FICO/Vantage Scoring Model. H. Client understands that Data Providers/FICO warrants that the FICONantage Scoring Model are empirically derived and demonstrably and statistically sound and that to the extent the populations to which the FICONantage Scoring Models are applied is similar to the population sample on which the FICONantage Scoring Models were developed, the FICO/Vantage score may be relied upon by Client to rank consumers in the order of the risk of unsatisfactory payment such consumers might present to Clients. FICONantage further warrant that so long as FICONantage provide the FICO/Vantage Model it will comply with regulations promulgated from time to time pursuant to the Equal Credit Opportunity Act, 15 USC Section 1691 et seq. THE FOREGOING WARRANTIES ARE THE ONLY WARRANTIES DATA PROVIDERS, FICO, OR VANTAGE HAVE GIVEN CLIENT WITH RESPECT TO FICONANTAGE SCORING MODELS AND SUCH WARRANTIES ARE IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, DATA PROVIDERS, FICO, OR VANTAGE MIGHT HAVE GIVEN CLIENT WITH RESPECT THERETO, INCLUDING, FOR EXAMPLE, WARRANTIES OF MERCHANTIBILITY AND FITNESS FOR A PARTICULAR PURPOSE. Client's rights under the foregoing Warranty are expressly conditioned upon each respective Client's periodic revalidation of the FICO/Vantage Scoring Model in compliance with the requirement of Regulation B as it may be amended from time to time (12 CFR Section 202 et seq). I Client agrees that the aggregate liability of the Data Providers/FICO to the Client is equal to the lesser of the Fees paid by ACRAnet to the Data Providers/FICO for the FICO/Vantage Scoring Models resold to the pertinent Client during the six (6) month period immediately preceding the Client's claim, or the fees paid by the pertinent Client to ACRAnet under the Agreement during said six (6) month period and excluding any liability of the Data Providers/FICO for incidental, indirect, special or consequential damages of any kind. ACRAnet, Inc. - Mortgage Service Agreement 0310 8 net The Information Network www.ACRAnet.com For ACRAnet Use Only Company Name Subscriber # Attachment "D" Access Security Requirements User Security Due to heightened security conditions associated with Internet access and connectivity, Client must agree to the following stipulations. 1) Client understands that the provider #, User ID 4, Client # and password provided by ACRAnet secure their Internet based access; and that the security of this access is guarded by their Windows login password. Client agrees to keep this access secure by keeping their login information private. 2) Client agrees that after using ACRAnet's Internet access Client will logoff. Client agrees to abide by the terms and conditions stated herein. It is a requirement that all end users (Clients) take precautions to secure any system or device used to access consumer credit information. To that end, the following requirements have been established. A. Implement Strong Access Control Nleasures (I) Client will not provide any Subscriber Codes or any of the above ID information or passwords to anyone. The Data Providers will never contact the Client and request the Subscriber Code number or password. (2) Proprietary or third party system access software must have Subscriber Codes and password(s) hidden or embedded. Account numbers and passwords should be known to only supervisory personnel. (3) Client must request that Subscriber Code password be changed immediately when: i. Any system access software is replaced by another system access software or is no longer used; ii. The hardware on which the software resides is upgraded, changed or disposed of (4) Protect Subscriber Code(s) and password(s) so that only key personnel know this sensitive information. Unauthorized personnel should not have knowledge of your Subscriber Code(s) and password(s). (5) Create a separate, unique user ID for each user to enable individual authentication and accountability for access to ACRAnet's infrastructure. Each user of the system access software must also have a unique logon password. (6) Ensure that user ID's are not shared and that no Peer -to -Peer file sharing is enabled on those users' profiles. (7) Keep user passwords confidential. (8) Develop strong passwords that are: i. Not easily guessable (e.g. your name or company name, repeating numbers and letters or consecutive numbers and letters); ii. Contain a minimum of eight (8) alpha/numeric characters for standard user accounts (9) Implement password protected screensavers with a maximum fifteen (15) minute timeout to protect unattended workstations. (10) Active logins to credit information systems must be configured with a 30 minute inactive session, timeout. (1 1) Restrict the number of key personnel who have access to credit information. (12) Ensure that personnel who are authorized access to credit information have a business need to access such information and understand these requirements to access such information are only for the permissible purposes listed in the Permissible Purpose Information section of the ACRAnet Application for Service and the Client Service Agreement. (13) Ensure that Client and Client's employees do not access their own consumer reports or those reports of any family member(s) or friend(s) unless it is in connection with a credit transaction or for another permissible purpose. (14) Implement a process to terminate access right immediately for users who access ACRAnet information when those users are terminated or when they have a change in their job tasks and no longer require access consumer information. (15) After normal business hours, turn off and lock all devices or systems used to obtain consumer information. (16) Implement physical security controls to prevent unauthorized entry to Client's facility and access to systems used to obtain consumer report information. B Nlaintain a Vulnerability Management Program (1) Keep operating system(s), firewalls, routers, servers, personal computers (laptop and desktop) and all other systems current with appropriate system patches and updates. (2) Configure infrastructure such as Firewalls, Routers, personal computers, and similar components to industry best security practices, including disabling unnecessary services or features, removing or changing default passwords, ID's and sample files/programs, and enabling the most secure configuration features to avoid unnecessary risks. (3) Implement and follow current best security practices for computer virus detection scanning services and procedures: i. Use, implement and maintain a current, commercially available computer virus detection/scanning product on all computers, systems and networks. ii. If you suspect an actual or potential virus, immediately cease accessing the system and do not resume the inquiry process until the virus has been eliminated. iii. On a weekly basis at a minimum, keep anti-virus software up-to-date by vigilantly checking or configuring auto updates and installing new virus definition files. (4) Implement and follow current best security practices for computer anti-spyware scanning services and procedures: i. Use, implement and maintain a current, commercially available computer anti-spyware scanning product on all computers, systems and networks. ACRAnet, Inc. - Mortgage Service Agreement 0310 9 ii. If you suspect actual or potential spyware, immediately cease accessing the system and do not resume the inquiry process until the problem has been resolved and eliminated. iii. Run a secondary anti-spyware scan upon completion of the first scan to ensure all spyware has been removed from your computers. iv Keep anti-spyware software up-to-date by vigilantly checking or configuring auto updates and installing new anti- spyware definition files weekly, at a minimum. If your company's computers have unfiltered or unblocked access to the internet (which prevents access to some known problematic sites), then it is recommended that anti-spyware scans be completed more frequently than weekly C Protect Data (1) Develop and follow procedures to ensure that data is protected throughout its entire information lifecycle (from creation, transformation, use, storage and secure destruction) regardless of the media used to store the data (e.g. tape, disk, paper, etc.). (2) All information provided by the Data Providers is classified as confidential and must be secured to this requirement at a minimum. (3) Procedures for transmission, disclosure, storage, destruction and any other information modalities or media should address all aspects of the lifecycle of the information. (4) Encrypt all ACRAnet data and information when stored on any laptop computer and in the database using AES or 3DES with 128 -bit key encryption at a minimum. (5) Only open e-mail attachments and links from trusted sources and after verifying legitimacy D Maintain an Information Security Policy (1) Develop and follow a security plan to protect the confidentiality and integrity of the personal consumer information as required under the GLB Safeguard Rule. (2) Establish processes and procedures for responding to security violations, unusual or suspicious events and similar incidents to limit damage or unauthorized access to information assets and to permit identification and prosecution of violators. (3) The FACTA Disposal Rules requires that you implement appropriate measures to dispose of any sensitive information related to consumer credit reports and records that will protect against unauthorized access or use of that information. (4) Implement and maintain ongoing mandatory security training and awareness sessions for all staff to underscore the importance of security within your organization. E. Build and Maintain a Secure Network (1) Protect Internet connection with dedicated, industry -recognized firewalls that are configured and managed using industry best security practices. (2) Internal private Internet Protocol (IP) addresses must not be publicly accessible or natively routed to the Internet. Network address translation (NAT) technology should be used. (3) Administrative access to firewalls and servers must be performed through a secure internal wired connection only (4) Any stand alone computers that directly access the internet must have a desktop firewall deployed that is installed and configured to block unnecessary/unused ports, services and network traffic. (5) Encrypt Wireless access points with a minimum of WEP 128 bit encryption and/or WPA encryption where available. (6) Disable vendor default passwords, service set identifier and IP Addresses on wireless access points and restrict authentication on the configuration of the access point. F Regularly Monitor and Test Networks (1) Perform regular tests on information systems (port scanning, virus scanning, vulnerability scanning). (2) Use current best practices to protect your telecommunications systems and any computer system or network device(s) you use to provide services hereunder to access ACRAnet systems and networks. These controls should be selected and implemented to reduce the risk of infiltration, hacking, access to penetration or exposure to an unauthorized third party by i. Protecting against intrusions; ii. Securing the computer systems and network devices; iii. And protecting against intrusions of operating systems or software. G Unauthorized Access (1) In the event of an unauthorized access there will be a thorough investigation as to the root cause; Client agrees to help facilitate the investigation fully (2) Once the cause of the unauthorized access is determined, Client may be required to assume responsibility for costs associated with the unauthorized access and additional conditions may be established in order for ACRAnet to continue to provide Consumer Reports to Client. ACRAnet, Inc. - Mortgage Service Agreement 0310 10 not The Information Network www.ACRAnet.com California Users: For ACRAnet Use Only Company Name Subscriber # Attachment "E" Requirements for California and Vermont Users Provisions of the California Consumer Credit Reporting Agencies Act, as amended effective July 1, 1998, will impact the provision of consumer reports to Client under the following circumstances: (a) if Client is a "retail seller" (defined in part by California law as "a person engaged in the business of selling goods or services to retail buyers") and is selling to a "retail buyer" (defined as "a person who buys goods or obtains services from a retail seller in a retail installment sale and not principally for purpose of resale") and a consumer about whom Client is inquiring is applying, (b) in person and (c) for credit. Under the foregoing circumstances, ACRAnet, before delivering a Consumer Report to Client, must match at least three (3) items of a consumer's identification within the file maintained by the Data Providers with the information provided to Data Provider's via ACRAnet by Client in connection with the in-person credit transaction. Compliance with this law further includes Client's inspection of the photo identification of each consumer who applies for in-person credit, mailing extensions of credit to consumer responding to a mail solicitation at a specified address, taking special actions regarding a consumer's presentment of a police report regarding fraud, and acknowledging consumer demands for reinvestigations within certain time frames. If Client is a "retail seller," Client certifies that it will instruct its employees to inspect a photo identification of the consumer at the time an application is submitted in person. If Client is not currently, but subsequently becomes a "retail seller," Client agrees to provide written notice to ACRAnet prior to ordering Consumer Reports in connection with an in-person credit transaction, and agrees to comply with the requirements of the California law as outlined in this Attachment, and with the specific certifications set forth herein. Client certifies that, as a "retail seller," it will either (a) acquire a new Client subscriber number for use in processing Consumer Report inquiries that result from in-person credit applications covered by California law, with the understanding that all inquiries using this new Client Subscriber number will require that Client supply at least three items of identifying information form the applicant; or (b) contact Client's ACRAnet sales representative to ensure that Client's existing client number is properly coded for these transactions. Vermont Users: Client acknowledges that it subscribes to receive various information services from ACRAnet, Inc. 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 "FORA") and its other state law counterparts. In connection with Client's continued use of ACRAnet services in relation to Vermont consumers, Client herby certifies as follows: Vermont Certification. Client certifies that it will comply with the applicable provisions under Vermont law In particular, Client certifies that it will order certain information relating to Vermont residents, that are Consumer Reports as defined by the VFCRA, only after Client has received prior consumer consent in accordance with the VFCRA § 2480e and applicable Vermont Rules. Client further certifies that the attached copy § 2480e of the Vermont Fair Credit Reporting Statute was received from ACRAnet. Vermont Fair Credit Reporting Statute, 9 V.S.A § 2480e (1999) § 2480e. Consumer consent (a) A person shall not obtain the credit report of a consumer unless: (1) the report is obtained in response to the order of a court having jurisdiction to issue such an order; or (2) the person has secured the consent of the consumer, and the report is used for the purpose consented to by the consumer (b) Credit reporting agencies shall adopt reasonable procedures to assure maximum possible compliance with the subsection (a) of this section (c) Nothing in this section shall be construed to affect: (1) the ability of a person who has secured the consent of the consumer pursuant to subdivision (a)(2) of this section to include in his or her request to the consumer permission to also obtain credit reports, in connection with the same transaction or extension of credit, for the purpose of reviewing the account, increasing the credit line on the account, for the purpose of taking collection action on the account, or for other legitimate purposes associated with the account; and (2) the use of credit information for the purpose of prescreening, as defined and permitted from time to time by the Federal Trade Commission. ACRAnet, Inc - Mortgage Service Agreement 0310 11 VERMONT RULES *** CURRENT THROUGH JUNE 1999 *** AGENCY 06. OFFICE OF THE ATTORNEY GENERAL SUB -AGENCY 031. CONSUNLER PROTECTION DIVISION CHAPTER 012. Consumer Fraud—Fair Credit Reporting RULE CF 112 FAIR CREDIT REPORTING CVR 06-031-012, CF 112.03 (1999) CF 112.03 CONSUMER CONSENT (a) A person required to obtain consumer consent pursuant to 9 V.S.A. §§ 2480e and 2480g shall obtain said consent in writing if the consumer has made a written application or written request for credit, insurance, employment, housing or governmental benefit. If the consumer has applied for or requested credit, insurance, employment, housing or governmental benefit in a manner other than in writing, then the person required to obtain consumer consent pursuant to 9 V.S.A. §§2480e and 2480g shall obtain said consent in writing or in the same manner in which the consumer made the application or request. The terms of this rule apply whether the consumer or the person required to obtain consumer consent initiates the transaction. (b) Consumer consent required pursuant to 9 V.S.A. §§ 2480e and 2480g shall be deemed to have been obtained in writing if, after a clear and adequate written disclosure of the circumstances under which a credit report or credit reports may be obtained and the purposes for which the credit report or credit reports may be obtained, the consumer indicates his or her consent by providing his or her signature. (c) The fact that a clear and adequate written consent form is signed by the consumer after the consumer's credit report has been obtained pursuant to some other form of consent shall not affect the validity of the earlier consent. ACRAnet, Inc. - Mortgage Service Agreement 0310 12 About Yakima 1 City of Yakima Page 1 About Yakima History 1 Economy 1 Climate 1 Population With its beautiful weather, central location, relatively low cost of living, and strong sense of community, Yakima is a premiere place to live, work, and play. We are proud of our city. Yakima is the Heart of Central Washington. History Yakima has been the cultural, business, educational, health services, and governmental focal point of the Central Washington region since it was founded more than 125 years ago. Originally built along the new Northern Pacific Railway company line, Yakima has grown from its agricultural roots to become a vibrant, diverse metropolitan city. With a rich history and a bright future, Yakima is the Heart of Central Washington. Nobody really knows for sure how Yakima got its name. Of the many theories about the origins of the city's name, one of the more popular is based on a legend about an Indian chief's daughter who fled from her home after she broke tribal rules. The chief's daughter made her home along the river named Yakama. The current City of Yakima is said to be located near the site where the chief's daughter settled. Another common belief is that Yakima is the plural form of the native word for black bear... yah-kah. The first American expedition into the region occurred in 1805. Explorers Lewis and Clark made their way through the area and shared tales of abundant wildlife and rich soils. In 1847, a Catholic mission was established in what is now known as the Yakima Valley. In 1858, an American army garrison was sent by U.S. President James Buchanan to build Fort Simcoe and deal with ongoing battles between the native tribes of the area and white settlers. With Fort Simcoe in place and the so-called Yakima Indian Wars over, more white settlers came. Yakima City was incorporated in 1883, but about a year later, a dispute between land owners and the Northern Pacific Railway Company led the railroad to establish a new town about 4 miles north of the original site. More than 100 buildings were moved by having horses pull them along atop rolling logs. The new town was called North Yakima and was officially incorporated in 1886. The Washington State Legislature officially renamed the city "Yakima" in 1918. httnJ/www_vakimawa.gov/visit/about/ 7/1 R/7014 City Continued From Previous Page YAKIMA CITY OF - FIRE DEPARTMENT- - 911 Emergency Only '-'- 98901 575-6911 Other Fire Business 401 N Front St -------'-""-- 60 HARMAN SENIOR CENTER 101 N 65th Ave --------81 575-60909138 166 HUMAN RESOURCES 129 N 2d 5t 24 Hour Current lob Openings Information 575-6089 IRRIGATION DIVISION 2301 Frultvale Blvd 98902 575-6194 LEGAL DEPARTMENT- -- �____9B901 575-6030 Civil 200 5 3d St -------"'. _..---- 98901 575-6033 Criminal 200 S 3d SL•--- -98901 575-6050 MAYOR 129 N 2d St - -"•-' --- NEIGHBORHOOD DEV SERVICES (FORMERLY- 98901 575-6101 HOUSING SERVICES)112 S 8th St ----• Landlord/Tenant Counseling 1125 8th St --- 98901 576-6333 PARKING VIOLATIONS PAYMENT5 129 N 2d St 98901 575-6070 PLANNING POLICE DEPARTMENT- (New) Crime Free Rental Housing ------------ 575-6184575-624 Detective Division 200 S 3d St --------�""'- 9 212 Records Bureau 200 5 3d St 5 98901 575-6-6220 Traffic Investigations 200 5 3d 5t ----- 98901 57575.6168 Other Pollcb Business 200 5 3d 5t ----------98901_575-6200 PROBATION SERVICES 207 Speech Only (Hearing 5 rd 51 ------98901 575-3570 PUBLIC WORKS DEPARTMENT- ----------- 575-6005 Administration Division ---•________..575-605 Equipment Rental Division "-' 575-6005 Garbage/Refuse And Recycling Dlv-- islon •--- - 575-6005 Field Personnel ----- ---------------------- _-575.6005 Service Changes Continued Next Column Continued From Last Column YAKIMA, CITY OF - PUBLIC WORKS DEPARTMENT - Parks And Recreation Division - Fisher Park Golf Course 5 40th Ave & Annan 575.60Annan-- 98902 575-6035 575-6075 Franklin Pool 2101 'Beton Dr -••- -_-""" 98902 575-6046 Lions Pool 509 W Fine St -----------'-'--""" _ 575-6005 Streets/Traffic Division —___ Street/Utility cut inspection ---"- -- 98902 576-6464576-64 Tahoma Cemetery 1802Tahoma Ave-- Transit Division - ---- _______.._575-6005 Administration —.575-6175 Bus Ro--_. --.575-6054 Dial-A•Ride ide infforor mation- "'"' PURCHASING OFFICE 129 N 2d St _-48901 575-6093 UTILITY SERVICES - Billing/New ServlcelServiCe Termination (Water - Sewer -Refuse ) Emergency Water/Irrigation Shut Off Nights 8 575-6080 Call Weekdays 8:00 AM To 5:00 PM •----•-- -575.6154 Weekends Only-------"---"'--•-- VISITOR INFORMATION CENTER 101 5 Fair Ave ----98901 573-3388 WASTEWATER DIVISION- Sewer Maintenance ------------------ 575-6077 ___5756118 Or _._--_.98901 575-6077 TrNights Ort Emergenlant 2220 E ----iola -__--- 575-6077 Nights Emefgen[Y ------'__ WATER DIVISION -575.6154 Nights 5 Weekend Emergency -----'-'--"-_Z 575-6154 Water Division 2301 Frultvale Blvd 98901 575-6080 County Benton BENTON COUNTY FIRE DISTRICT #6— OTHER BUS'COUNTY -875-2029 B CONTROL MOSQUITO - 967-2414 ----- ____ ---•---800-942-6122 BENTON COUNTY SHERIFF OFC 46404 46404 W Prior Aye ---------------------"- Grant Valley GRANT COUNTY OF- FIRE DIST NO 10 BEVERLY ••-- '-"-'-"-" -` SHERIFF EMERGENCY ONLY ----------------------91 --01191 Other Business 1 Cont_r-14 YAKIMA CITY Of - WATER DIVISION - Water Treatm--e^ Y -PAC 124 5 2cc YCTV 124 S 2nc i:.. YAKIMA COMMUtY C-.' Emergency Dia- Administration ----- YAKIMA CONVENTION Utility Billing 129 St ontinued Next Column SHOP 131 F'5- Zillah ZILLAH CITY OF - CITY HALL 503 F'st 3# FIRE DEPARTMENT - 111 7th St - Emergency Other Business - LIBRARY 1109: 5: -.-- POLICE DEPARTMENT 111 7th St - EmergencY -- Non-Emerge-in, other Business SEWER TREAT/EDF' Continued From Last Column KITTITAS COUNTY HOUSING- HOOT LLINE RG 98926962.9010 107 W 11th Av KITTITAS COUNTY HUMAN RIGHTS COALITION — EunSBRG 933.2787 KITTITAS COUNTY MUSEUM 114E 3rd------- F1LNSeRG 98926 925-3778 KITTITAS COUNTY PUBLIC WORec w 4111 N Ruby A 509 962-7523 KITTITAS COUNTY TRAFFIC SAFETY TEAM ------- ELLEN58URG WA 509 962-9775 SHERIFF OFFICE KITT COUNTY COURTHOUSE 307 W Umptanum Rd ELLENSBURG WA 98926 509 962-7517 Yakima GRANT COUNTY OF - FIRE DIST NO 10 BEVERLY- --_ 932-4888 Business Only Beverly -----'---'"""---''-`-- GRANT COUNTY RD DIST NO 3-------- 932.4288 HOUSING AUTHORITY OF GRANT COUNTY 4C3 S Boundary Ave - •- MTWA 99349 932-4402 Kittitas KITT COUNTY COURTHOUSES 205 W 501 Av Rc WA 98926 509 962-7508 KITT COUNTY COURTHOUSE--DEPnAlsaRc 98926 962-7823 205 W Fifth Ave KITT COUNTY COURTHOFlIUSE-DPW926 509 933-8251 411 N Ruby -- Yakima KITTITAS COUNTY COURT HOUSE 205WSthAv 13e6 98926 962-7500 KITTITAS COUNTY ENVIRONMENTAL HEALTH — ELUISBRG 962-7698 50 Nanum #102 - •- _- 962-7052 Environmental Health Fax -•-------'-----""'""-" - 933-8261 Food Establishmententer)Permits-----'-�"-'"""'-" 933-8261 Help Desk (Permit Center) -•-------'""—'-�-- 933-8261 On Site Sewage inspection Scheduling -------~-----933 8262 On Site Sewagel5eptic-V-'�_ 962-7005 VeWaste __933-8225 • Vector System Lower Yakima Valley YAKIMAtOUNTY DEPT SERVICES 416 W White Swan Rd -------- WHITE SWAN WA 98952 509 874-9920 YAKIMA COUNTY OF— Boo s7z-735a COUNTY COURTHOUSE YAKIMA---- 572XT 1351 CIviI/Small Claims-- -----"—` �______ EXT 18001 District Court ------ _..-EXT 1860 Probation services '-- FIRE DIST NO 5- 911 Emergency --------------- _ _ - ----- -829-5111 PUBLIC WORKS - -- 574-2360 Permit Services Yakima -- Road Maintenance Shop 32151st St--- 539YKM098944 574-2450 839-3430 Solid Waste Division 128 N 2nd St --------- Landfill Sites - Lower Valley Transfer 1150 Luther Rd --55950 98932 574-2475837-301 Terrace Hts Roza Hill Dr 5 N 76th --- _ 574-2460 Solid Waste Billing Yakima Waste Management/Recycling Hotline ------800.453-8007 SHERIFFS OFFICE- 911 Emergency---_--_ - -_.....••-.._865-6911 Or 6 YAKIMA COUNTY SHERIFF--- 829-6120 YAKIMA COUNTY SHERIFF ----------------865-6696 ........�.---•--•---962-7580 Water -i - Water Testing (Permit Center) --933-8261 KITTITAS COUNTY FIRE DISTRICT NO 2 102 N Pea" ELLNSBRG 98926 933-7233 Ccritr Yakima YAKIMA C01� YOU MAY :1 DEPARTMMM3ees GENERAL I1�F AGING 5 LO116� Aging 8 MOM" 17105 2408 Ise ;ee SE WA ALTO1Me0e 9 0 Boli 8349 SEMI APPRAISER AA95»Oe ASSIGNED COURSE Main OffcS Juvenile Win= AUDITOR 8BYrta roti Administration- Acc0Unt3rrD Elections Filing 5 Seta r Marriage Mean Recording MINN Land Doomed Dor: 'meals VehiC!e -masa Genera: YtAlr7 Limns -+S Sale.- Ya ti -a - CastaSe �- Sela- - Wr4ghtl�: All Other nifty, Voter Regeteeat• IRe crece lir BOARD APPS:.' CLEAN AiR A: Bum 5 i~" COMMUNITY TES CONFERENCE Cr CORONER --- OURNTY CLEAN E COURT ;:v'Nva Accounting Dee JON Atirlin0=1 Juvenile DiAnar COUNTY C. C401011 Dist ' ° ' - ° = - Dis:: -- Dist _- COUP-`- - Ccs- - 5.c- - DIS' f www.ACRAnet.com Personal Guarantee Addendum For and in consideration of ACRAnet extending a day line of credit to (the "Company") for the purpose of purchasing credit reports in accordance with the Agreement For Service between ACRAnet and the Company (the "Agreement For Service"), the undersigned (hereinafter referred to as the "Guarantor") hereby personally guarantees (i) payment to ACRAnet of all amounts due to ACRAnet from Company and (ii) the faithful and prompt performance by Company of each and every one of the terms, conditions and covenants of the Agreement For Service. ✓ It is specifically agreed and understood that the terms of the Agreement For Service may be altered, affected, modified or changed by agreement between Company and ACRAnet, or by a course of conduct, without the consent of or without notice to Guarantor and without affecting the liability of Guarantor hereunder ✓ Without limiting the rights of Company, Guarantor hereby agrees that recourse may be had to Guarantor's separate property to satisfy Guarantor's obligations under this Personal Guarantee (the "Guarantee") ✓ All the terms and provisions of the Guarantee shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns. ✓ The Guarantee shall be governed by and construed in accordance with the laws of the Branch of ACRAnet servicing this account. ✓ The Guarantor authorizes ACRAnet to check the Guarantor's personal credit history and authorizes any reference listed on the Guarantor's Business Application to release and/or verify information to ACRAnet. In the event of any litigation or arbitration between or among the parties hereto respecting or arising out of the Guarantee, the successful or prevailing party shall be entitled to recover reasonable attorneys' fees and other costs in connection therewith, including any attorneys' fees incurred after a judgment has been rendered by a court of competent jurisdiction or a decision has been rendered by the arbitrator(s). The parties agree that this attorneys' fee provision shall not merge into any judgment. This Guarantee shall survive the termination of the Agreement For Service. Please print or type: Name: Date. Social Security No. - - Driver License No. Home address (city) Home Phone No. Signature: ( (state) (zip code) Alt Phone No. June 17th, 03 Master DEPARTMENT OF COMMUNITY AND ECONOMIC DEVELOPMENT Archie M. Matthews, Manager Office of Neighborhood Development Services 112 South Eighth Street Yakima, Washington 98901 (509) 575-6101 • Fax (509) 575-6176 July 22, 2014 The City of Yakima Office of Neighborhood Development Services (ONDS) is an "Entitlement City" of the Federal Government through the Housing and Urban Development (HUD) funded program for both Community Development Block Grants and HOME Investment funding. As per HUD eligible activities the Office of Neighborhood Development Services contracts, funds and constructs single family residences to be sold to qualified low to moderate income first time homeowners. The First Time Homebuyer program qualifies eligible applicants as per HUD qualification guidelines to purchase an affordable single family home, as part of the qualification process a "Consumer Credit Report" must be reviewed by the loan committee as part of the approval process. The anticipated volume per month is dependent upon the houses available for sale and applications submitted and as such are quite unpredictable, but should be no more than three to five reports a month. This program is limited to the city limits within the City of Yakima in Washington State. If you have any questions or concerns regarding this matter, please feel free to contact me. Sincerely, Archie M. Matthews ON DS Manager Yakima ao-amemcar '1010► 1994