HomeMy WebLinkAbout15292 1 Agreement with CBClnnovis Credit Reporting Services. Ar i 0 7- 0 2
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EXECUTED AND EFFECTIVE as of the date executed first above set forth,
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4 ATTEST: COU F RES
a2l.
Clerk, Board of Supervisors
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By Chairman, Board of Mpervisors
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Approved as to Legal Form:
8 Dennis A. Marshall, County Counsel
9 By-
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Approved as to Accounting Form:
11 Vicki Crow, C.P.A.
12 Auditor-Controller/Treasurer-Tax Collector
13 BY
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REVIEWED AND RECOMMENDED FOR APPROVAL:
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Vicki Crow, C.P.A.
16 Auditor-CQntroller reasurer-Tax Collector
17 By ; r
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FOR ACCOUNTING USE ONLY
19 Fund/Subclass 0001/10000
20 Org No. 0410/1100
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G�ZIWLIOCADMWIWBOARD iTEMS\8382L dot 1
CSCINNOVIS — APPLICATION FOR SERVICES
Company Name: County of I'resno Audi for-Con 1rollerfl'reasurer-Tax Collector Years in Business: 150
Physical Street Address(No P.O. Box numbers please): 2281 'Tulare Street
City: Fresno State. CA lip Code: 93721
I low long at location'' 25- years months Websitr www.co.fresno.ca.us
Do you own or lease the building in which you are located'' (please check one) ❑ Own ❑ Lease
Type of Ownership(check one of the following): ❑ Partnership ❑ Sole Owner/Proprietorship
❑ For Profit Corporation ❑ Nonprofit Corporation
❑ Limited Liability Company ® Other(specify): Government Agency
Other business names or dba:
Have you previously applied or have obtained services from CBCInnovis? ® No ® Yes
If ycs,when'? Under what business name: County of Fresno Auditor
1 understand and consent to CBClnnovis using the information provided below to access my consumer credit report,which CBClnnuvis may use in
deciding to provide services to comp:uty, partnership or myself and in the future for collecting on any amounts that the company, partnership or
myself may owe CBClnnovis for unpaid fees or charges including any late fees or interest as specified in the billing invoice
Principal Name:
"Title or Position: Phonc:
Social Security Numher: Date of Birth:
Residential Street Address:
Cily: Stale: lip Code:
Ill. 13USINESS INFORMATION
i'ype of Business Government Treasury Type of Products or Services Sold:
Number of years in business 150
Do you have a license'? ❑ Yes ❑ No
Type of License(i.e., Investigation. Broker.Collection,Business): (Please attach a copy)
HOW In-any Credit Reports will you access monthly
Haw will you be accessing repons monthly'?(i.e.,web,software or special interface): wcb
Does your application indicate to consumers that a credit history investigation will he done? ® Yes ❑ No
list Principals of the Company
Name Posilwn SSN Address
Vicki Crow,CA'A, Auditor-Controllcrfl'rcasurcr=lax Collcetr
Ralbina(hmonde Deeuty'Treasuer-Tar Collector
Alan-.Cade Lkputy Auditor-Controller
Page I oft
CR(Annovis-Credit Reporting Services Application
Rev i-IS-06
CBCINNOVIS - APPLICATION FOR SERVICES
IV. BUSINESS REFERENCE.S
Contact Name: Phone:
Address: Fax: Finail:
City: State: Zip Code:
Contact Namc: Phone:
Address: Fax: Email,
City: Stale. Zip Code:
V. I-ERMISSIBLE PURPOSE (Application isill not be processed unless this information is provided)
Describe the specific permissible purpose for which you will be using consumer credit information obtained from CBCInno%is.
Collection of pact due debts.skiptracing
VI. BILIANC INFORMATION
Contact Tame: Count%of Fresno Auditor-Controller/I'reasurer I-ax Collector Phone. 559-488-3609
Address: P.O. Box [247 Far: 559-488-3493 [--,mail:
City: Fresno State: CA Zip Code: 93715
Vll. RANK REFERENCES(I'lease provide name of hank that maintains your business checking account)
Contact game: Phone:
Address: Fax !:mail:
City: state: Zip Code:
Business Checking Account Nurnber(s):
certify that the information contained in this application is correct to the best of my knowledge and that I will use the consumer report
information I receive from CBClnnovis for no other purpose than what is stated in the Permissible Purpose section on this application.
CBClnnovis shall conduct an investigation of the business applying for services. If CBClnnovis accepts the application for services,
continued services is subject to compliance with the provisions and requirements of the Fair Credit Reporting Act. CBClnnovis may
suspend or terminate services without notice for any reason,including,but not limited to the failure of the Customer to comply with the
Fair Credit Reporting Act.
Further,by my signature,I individually and personally guarantee payment of all fees and charges owed to CBClnnovis.
County of Fresno Auditor-Controllcdfreasurer=fax Collector Approved by Authorized CBClnnovis Manager or Representative
Company Nam
Signature of Owner,011icer or uthori7ed Representative signature
(individual and representative capacity)
Printed Name: uicii .CrOW,jL C.P.A. Printed Name:
Collector
1•itle: Audi.or--Controiler/T.reasurer-Tax 1'iUc t` yl ('�
Date: 1/10/2007 Date: —L'011,310Loffice Location:
Page 2 of 2
('11Clunovis-Credit Reporting Services Applicatiun
Rev 5-I8-06
CI3CINNOVIS - MASTER AGREEMENT FOR SERVICES
This Master Agreement for Services ("Agreement") effective , 2006 ("Effective Date") is by and between
CBClnnovis, Inc. ("CBClnnovis"), a Pennsylvania Corporation, with an address located at 250 East Broad Street, Columbus,
Ohio 43215, and County of Fresno Auditor-Controller/Treasurer-Tax Collector ("Customer"), a CA corporation, with an
office located at 2281 'Tulare St., Fresno CA 93721.
I. Services. Customer will purchase and CBClnnovis will provide Services as defined in each Schedule. Only the
CBClnnovis Afliliate that executes the Schedule shall be responsible for such Schedule.
2. Fees and lnvoieine. CBClnnovis, or its agent, will invoice Customer for the services delivered and Customer agrees to
pay CBClnnovis, or its agent within thirty (30) days of the date of each invoice. Invoices not paid on time shall be
considered past due and are subject to late charge of 1.5%per month, which is equal to 18%a year.
3. Term and Termination. Unless otherwise stated in the Schedules, the term of this Agreement shall begin on the
Effective Date and shall be in effect until terminated or until termination of the any or all pending Schedule(s), whichever is
later. Either party may terminate this Agreement at any time for any reason.
4. Confidentiality.
(a) Definition of Confidential Information. For purposes of this Agreement, "Confidential Information" means, but is
not limited to, any non-public information that a party reasonably considers to be of a confidential, proprietary or trade secret
nature. Confidential Information shall also include any and all information provided by the receiving party on behalf of the
disclosing party. Confidential Information shall not include information which is: (i) as of the time of its disclosure or
thereafter becomes part of the public domain through no fault of the receiving party; (ii) rightfully known or independently
developed by the receiving party prior to the time of its disclosure; (iii) subsequently learned from a third party not under a
confidentiality obligation to the disclosing party; (iv) was in the Receiving Party's possession before receipt from the
Disclosing Party,(v) is disclosed by the Receiving Party with the Disclosing Party's prior written approval,and (vi) required
to be disclosed pursuant to a duly authorized subpoena, court order, or government authority, provided that the receiving
party has provided prompt written notice and assistance to the disclosing prior to such disclosure so that such party may seek
a protective order or other appropriate remedy to protect against disclosure.
(b) Protection of Confidential Information. Both parties agree to protect Confidential Information and may only
disclose such information to its employees having a need to know and who are otherwise bound by confidentiality obligations
at least as restrictive as those contained in this Agreement. Both parties shall use the same care to prevent disclosure of
Confidential Information as it uses with respect to its own Confidential Information. Further, both parties shall only use
Confidential Information to the extent necessary to perform its obligations set forth in this Agreement. The Receiving Party
will not reproduce the Disclosing Party's Confidential Information in any form except as required to accomplish the intent o1'
this Agreement.
(c) Gramm-Leach-Bliley Protection and Safeguarding of Information Involving Use of Nonpublic Personal
Information. Both parties shall comply with 'Title V of the Gramm-Leach-Bliley Act, 15 U.S.C. § 6801 et. seq. (the "GLB
Act") and the implementing regulations and will not use or disclose any nonpublic personal information ("Information")
furnished to the other except in accordance with the GLB Act or the Fair Credit Reporting Act 15 U.S.C. § 168l b("FCRA").
Both parties represent that they have established and maintain appropriate measures designed to meet the objectives outlined
in the Interagency Guidelines Establishing Standards for Safeguarding Customer Information set forth in 501 and 505 of the
GLB Act (15 U.S.C. § 6801 and § 6805), The parties have in place programs designed to ensure the security and
confidentiality of the Information, to protect against any anticipated threats or hazards to the security or integrity of'the
Information and to protect against unauthorized access to or use of such Information.
(d) Security Breach Confidential Information. The Parties shall notify the other Patty immediately, and agrees to
cooperate fully, in the event of any unauthorized access, any loss, or unauthorized disclosure of any Confidential
Information, including without limitation, customer or employee information under the control of either Party. Except as may
be required by law, the Parties agree to take no action with respect to notification of such unauthorized access to Confidential
inf'orrnation without the other Party's express consent and according to specific instruction.
(e) Proper Disposal of Consumer Information. Both parties represent that in accordance the FCRA and the FTC
Final Rule, 16 CFR, Part 682 that they have implemented reasonable measures to protect against unauthorized access or use
of the information in connection with the disposal of consumer information as that term is defined in the FTC Final Rule.
5. IT/Data Security. Customer will do nothing to alter the Services and will use the Services only as authorized in this
Agreement. Customer waives all claims to any ownership right to all of the Services and intellectual property of
CBClnnovis. Customer agrees not to disassemble, decornpile, manipulate, or reverse engineer the Services. Customer shall
maintain due diligence and information security procedures, which meet or exceed standard industry practice, to safeguard,
secure and provide data back-up procedures for the Services, including but not limited to ensuring that any data Customer
receives frorn CBClnnovis will be securely maintained and transmitted. If Customer uses a third party to access the Services,
Customer is responsible for the third party's use of such Services. Customer is prohibited from making the Services available
CBClnnovis Master Agreement for Services, version 3.0 Page I
Date Revised: 5i 10106
to a third party or for the benefit of any third party and from altering, adapting, translating, or preparing any derivative work
of the Services. All other rights to the Services not expressly granted herein by CBClnnovis are reserved.
6. Limitation of Liability. Unless otherwise stated in the Schedule(s), IN NO EVENT SHALL CBCINNOVIS, ANY
CBCINNOVIS AFFILIATES, OR ANY OF THE RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR
AGENTS BE LIABLE FOR LOST PROFITS,OR DIMINUTION OF VALUE OF THE PROPERTY, LOSS OF USE
OR INTERUPTION OF BUSINESS, NOR FOR CONSEQUENTIAL INDIRECT, SPECIAL, PUNITIVE, OR
INCIDENTAL DAMAGES UNDER THIS AGREEMENT, EVEN IF CUSTOMER HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. Unless otherwise stated in the Schedule(s), the maximum liability of CBClnnovis
in connection with any Services provided shall not exceed an amount equal to the price paid by Customer for such Services.
7. Rip-hi to Audit. During the term of this Agreement, either party may audit the other party's policies,procedures and
records that pertain to this Agreement to ensure compliance with this Agreement upon reasonable notice and during normal
business hours.
8. General Provisions.
(a) Successors and Assigns. Either party may assign this Agreement by obtaining prior written consent of the other
part, which such consent shall not be unreasonably withheld. CBClnnovis may assign this Agreement to an affiliate upon
notice to Customer.
(b) Entire A reement/Amendment. This Agreement constitutes the entire agreement between the parties and
supersedes all prior oral or written agreements or representations. No modification of this Agreement (including any
additional or different terms) shall be binding unless agreed to in writing. In the event of any inconsistencies between this
Agreement and any Schedule, such Schedule shall control but only to the extent of'such inconsistency.
(c) Waiver. No course of dealing or failure by CBClnnovis to strictly enforce any tern, right, or condition of this
Agreement shall be construed as a waiver of such term, right,or condition.
(d) Governing Law; Jurisdiction. This Agreement shall be governed by and construed in accordance with the laws of
the state of Ohio, regardless conflict of laws principles.
(e) Force Maieure. Neither party to this Agreement shall be considered to be in default of its obligation under this
Agreement to the extent that failure to perform any such obligation arises from causes beyond the control and without the
fault or negligence of the affected party.
(0 Severability. If any provision of this Agreement is or becomes void or unenforceable by force or operation of law,
the other provisions shall remain valid and enforceable.
(g) Counterparts/Facsimile Conies. This Agreement may be executed via facsimile and in counterparts, and all such
executed counterparts shall constitute the same Agreement.
(h)Survival. Sections 4, 5,6,and 7 shall survive termination of this Agreement.
(i) Notices. All notices required or permitted hereunder will be in writing, to the addresses set forth above, and will be
deemed to have been properly given: (i) upon delivery if delivered personally or by a courier or overnight delivery service;
or (ii) five (5) business days after mailing by certified mail, postage prepaid, return receipt requested. to the parties at the
following addresses (or to such other address of which either party may notify the other in a notice that complies with the
provisions of this section).
IN WITNESS WHEREOF,each party has executed this Agreement effective as of the date first above written.
CBClnnovis,Inc. Customer: County of o
Audi of real r-T• 0for
Signature: Signature.
Name: ('+r Name: Bob Waterston
I11ca fnt Please Print
Title: R%lbmj WgnXet" Title: Chairman, Board of Supervisors
Date: _ roll :& Date: JAN 2 3 2007
CBClnnovis Master Agreement for Services, version 3.0 Page 2
Date Revised: 5,10/06
SCHEDULE #I: CBCINNOVIS CONSUMER INFORMATION SERVICES
CUSTOMER'S NAME: County of Fresno EFFECTIVE DATE:
Auditor-Controller/Treasurer-Tax Collector
This Schedule is made by and between CBClnnovis and Customer under certain Master Agreement for Services ("Agreement") under
which CBClnnovis shall provide consumer information services ("Services") Customer shall use such Services in accordance with this
Agreement.
1. COMPLIANCE WITH FEDERAL AND STATE LAWS
Fair Credit Renortinp- Act. The parties agree to comply with the Fair Credit Reporting Act, 15 U.S.C. § 1681 et. seq.and
other applicable federal and state laws and regulations.
California Retail Seller Compliance. Customer will comply with all applicable provisions of the California Credit Reporting Agencies
Act including the Retail Buyers provisions in California Civil Code § 1785.14. Customer certifies that:
❑ it is or® is not a Retail Seller,as defined in Section 1802.3 of the California Civil Code and
❑ it does or ® does not issue credit to consumers who appear in person on the basis of an application for credit submitted in person.
Before delivering a consumer report to a Retail Seller, CBClnnovis must match at least three items of a consumer's identification
within the CBCInnovis file with the information that the Customer supplies in connection with the in-person credit transaction.
Customer certifies that if it is a Retail Seller it will inspect the photo identification of each consumer who applies for in-person credit.
If Customer extends credit by mail pursuant to mail solicitations, the Customer certifies that it shall mail the credit extension to same
address as on the solicitations unless Customer verifies any address change by, among other methods, contacting the person to whom the
extension of credit will be mailed. Customer shall also take special actions regarding a consumer's presentation of a police report
regarding fraud, and Customer must acknowledge consumer's demands for reinvestigations within certain timeframes specified in the
California Civil Code. If after signing this Agreement, Customer becomes a Retail Seller who issues credit in person, Customer certifies
that it will provide written notice to CBClnnovis prior to using consumer reports with such transaction and shall comply with all the
requirements of a Retail Seller as provided in this certification.
California Investigative Consumer Reporting Agencies Act (California Civil Code § 1786 et seq)_Customer certifies that prior to
obtaining an investigative consumer report as that term is defined California Civil Code § 1786.2(c) that is has made the applicable
disclosures to consumer as required under California Civil Code § 1786.16(a)(2) and that it will comply with Section 1786.16(h)
including, but not limited to, providing the consumer a means by which the consumer may indicate on written form by means of a box to
check that the consumer wishes to receive a copy of any investigative consumer report that is prepared. Customer must notify
CBClnnovis of any change in the permissible purpose for which the information will be used.
Vermont Certification. Customer certifies that it will comply with applicable provisions of the Vermont Fair Credit Reporting Statute,
9 V.S. A. § 2480(e) and the applicable regulations in connection with obtaining consumer reporting information on Vermont consumers.
Customer further certifies that it will only obtain consumer reporting information from Vermont consumers after the Customer has
received prior consumer consent and will use the consumer reporting inhumation only for the purpose consented to by the consumer.
2. CERTIFICATION OF PERMISSIBLE PURPOSE. Customer shall use a consumer report only when it has a permissible purpose
as that term is defined under the Fair Credit Reporting Act 15 U.S.C. § 1681b (Section 604 of the FCRA) and other applicable federal
and state laws. Specifically, the Customer hereby certifies that it will only request and use a consumer report for the following purposes
(Please initial all that apply):
.4Vn connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the
extension of credit to,or review or collection of an account of, the consumer;
In connection with the underwriting of insurance involving the consumer;
In connection with a determination of the 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;
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, an existing credit obligation; when it has a legitimate business need for the information (specify that
purpose in the space provided)
In connection with a business transaction initiated by the consumer,(Please explain) ;
To review an account to determine whether the consumer continues to meet the terms of the account,such as
(Please explain)
In accordance with the written instructions of the consumer to whom it relates. The Customer shall include in the written request
the specific reason(s) for obtaining the consumer report. If on the same form, the Customer seeks consent from the consumer to access or
obtain records or items in addition to a consumer report (i.e. medical records, financial account records); the Customer must separately
delineate the request for a consumer report by using a check mark or an "x" on the form next to its consumer report request. Customer
will use a consumer report only for the specific reasons provided in the written consent. Customer shall maintain copies of the
consumer's express written consent for five years.
Schedule I-Credit Reporting, version 2.0 1
Date Revised: 5/3106
'" For employment purposes(Evaluating a consumer for employment, promotion, reassignment or retention);
Customer agrees with the following conditions for obtaining a report for employment: Only the Customer's designated
representatives will request credit reports. The Customer will forbid employees from obtaining reports on themselves, associates, or any
other person except in the exercise of their official duties. Each time the Customer requests a credit report for employment purposes it
will comply with 15 U.S.C. § 1681b (Section 604(b) of the FCRA), namely: 1) the consumer has been given a clear and conspicuous
written notice, in advance(in a document that consists solely of the disclosure), that a consumer report may be requested for employment
purposes; 2) the consumer has authorized the Customer, in writing, to procure the report; 3) the information in the consumer report will
not be used in violation of any applicable federal or state equal employment opportunity law or regulation; 4) before taking adverse
action, in whole or in part on the report, Customer will provide the consumer a copy of the report and a description of the consumer's
rights under the FORA.
3. QUALIFIED CUSTOMER CERTIFICATION. Customer certifies that it is not a pawn shop, private detective, detective agency,
investigative company, bail bondsman, attorney or law firm (except collection attorneys-or reports for employment purposes), credit or
financial counseling firm, credit repair clinic, news agency or journalist, dating service, asset location service or a person that will not be
an end-user of the Services or seeking information for its own use.
4. FANNIE MAE REQUIREMENTS. Whenever Customer receives changes to information on a merged credit report from
CBClnnovis, Customer will communicate these changes to Fannie Mae as part of any reissue of the merged credit report. If Customer
receives Global Reissue Credit Reports, such use is subject to: 1) Fannie Mae's Software Subscription Agreement and Desktop
Underwriter Schedule (Expanded Use Version) as they appear on Fannie Mae's website located at www.efanniemae.com (the "Fannie
Mae Terms"); 2) the limitations and restrictions of the Fannie Mae Terms as applicable to CBClnnovis, which Fannie Mae may modify
at any time in its sole discretion by posting it on its website. In the event of any conflict between the Fannie Mae Term-,.the Agreement
or this Schedule, the Fannie Mae Terms shall govern to the extent of the inconsistency. Fannie Mae shall be entitled to enforce the
Fannie Mae Terms.
5. CREDIT REPORTING SCORING SERVICES. If Customer purchases credit reporting scoring services from CBClnnovis that
CBClnnovis resells from Experian,TransUnion, Equifax ("the Repositories")who have created proprietary scoring models with Fair, Isaac
and Company("Fair, Isaac')(hereinafter referred to as Scoring Models)then CBClnnovis is required to provide the following terms of use
for these services:
Warranty:. The Repositories and Fair, Isaac warrant that the Score Models are empirically derived and demonstrably and statistically
sound and that to the extent the population to which the score models are applied is similar to the population sample on which the
Score Models were developed, the Score Models may be relied upon by end users to rank consumers in the order of the risk of
unsatisfactory payment such consumers might present to end users. The Repositories and Fair Isaac further warrant that so long as
they provide the Score Models, they will comply with regulations promulgated from time to time pursuant to the Equal Credit
Opportunity Act, 15 USC Section 1691 el seq (ECOA). THE FOREGOING WARRANTIES ARE THE.ONLY WARRANTIES THE
REPOSITORIES AND FAIR, ISAAC HAVE GIVEN END USERS WITH RESPECT TO THE SCORE MODELS AND SUCH
WARRANTIES ARF 1N LIEU OF ALL. OTHER WARRANTIES, EXPRESS OR IMPLIED, TI11- REPOSITORIES AND FAIR
ISAAC MIGHT HAVE GIVEN END USERS WITH RESPECT THERETO, INCLUDING, FOR EXAMPLE, WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Each end user's rights under the foregoing Warranty are
expressly conditioned upon each end user's periodic revalidation of the Experian/Fair, Isaac Model in compliance with the
requirements of Regulation B as it may be amended from time to time(12 CFR -3 202 c1 seq.).
Limitations on Use: Customer shall use the Score Models and reason codes solely in its own business with no right to transfer or
otherwise sell, license, sublicense or distribute said Scores or reason codes to third parties. Customer shall not use a Score as the basis
for an"Adverse Action" as defined by the ECOA or Regulation B, unless score factor codes have been delivered to Subscriber along
with the Score. Customer must 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 of its employees with a"need to know"and to no
other person. Customer may disclose the Scores provided to it to credit applicants, when accompanied by the corresponding reason
codes, in the context of bona fide lending transactions and decisions only. Customer must comply with all applicable laws and
regulations in using the Scores and reason codes purchased from CBClnnovis. Customer, its employees, agents or subcontractors are
prohibited from using trademarks, service marks, logos, names, or any other proprietary designations, whether registered or
unregistered, of the Repositories or Fair, Isaac, or the affiliates of either of them, or of any other party involved in the provision of the
Score Models without such entity's prior written consent. Customer is prohibited in any manner, directly or indirectly, to discover or
reverse engineer any confidential and proprietary criteria developed or used by the Repositories and Fair, Isaac in performing the
Score Models.
Limitation of Liability: The aggregate liability of the Repositories and Fair Isaac will be the lesser of the Fees paid by CBClnnovis
to the Repositories for the Score Models sold to the Customer during the six (6) month period immediately preceding the Customer's
Schedule I-Credit Reporting, version 2.0 2
Date Revised: 5/3/06
claim, or the fees paid by the Customer to CBCInnovis tinder this Agreement during; said six (6) month period, and excluding any
liability of the Repositories for incidental, indirect, special or consequential damages of any kind.
6. OFAC NAME MATCHING SERVICE. If Customer purchases OFAC Services, CBClnnovis will compare the characters in the
consumer's name, social security number and year of birth, when available, to files maintained by the Office of Foreign Assets Control
("OFAC") of Specialty Designated Nationals. The database is updated periodically from OFAC and CBClnnovis does not insure or
guarantee of the accuracy or reliability of the OFAC Name Matching Service nor the data contained in its file or that OFAC Name
Matching Service satisfies any of the Customer's legal obligations which may be administered by OFAC or any other governmental
agency.
7. SAFESCAN AND FULL DTEC. SAFESCAN is an on-line warning system containing information that can be used to detect
possible fraudulent applications for credit. Some of the information in the SAFESCAN database is provided by credit grantors.
SAFESCAN is a registered trademark of Equifax. SAFESCAN is not based on information in Equifax's consumer reporting database and
is not intended to be used as a consumer report. Customer will not use a SAFESCAN alert or warning message in its decision-making
process for denying credit or any other FORA permissible purpose, but will use the message as an indication that the consumer's
application information should be independently verified prior to a credit or other decision. Customer understands that the information
supplied by SAFESCAN may or may not apply to the consumer about whom Customer has inquired. Full DTEC is a service that uses the
social security number provided by Customer to search the Equifax consumer credit database and deliver a consumer report that consists of
name, AKA,or former name, current and former addresses, listed telephone number(if available),age,employment, Social Security
number and a message pertaining to the Social Security number.Customer certifies that it will order a Full DTEC Report only when it has
a permissible purpose to receive a consumer report, as specified in the Agreement.
8. OBTAINING INFORMATION UNDER FALSE PRETENSES. 15 U.S.C. § 1681q (Section 619 of the FCRA) provides that any
person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be
fined under Title 18 of the United Slates Code,or imprisoned not more than two years,or both.
9. FURNISHING AND INVESTIGATING. Customer has received and agreed to comply with the FCRA Notices to Users and
Furnishers. Pursuant to this section Customer may furnish consumer information for use in a consumer credit report and for one or more
permitted purposes under GLB. If Customer furnishes consumer information to CBClnnovis, it agrees to furnish CBCInnovis with
accurate and complete information on accounts. It will comply with the duties and responsibilities of Furnishers as set forth in 15 U.S.0
§ 1681 s-2 (Section 623 of the FCRA). Customer agrees to conduct an investigation of dispute before the end of the 30-day period within
which time CBCInnovis is required to conduct the reinvestigation under the FCRA or within the period specified under applicable state
law.
10. MINIMUM TERMS; TERMINATION. 'this Agreement and the Application for Services sets forth the minimum terms and
conditions under which CBCInnovis will provide CBCInnovis Services to the Customer. Nothing herein shall obligate either party to
purchase or to sell the services described herein,and either party may terminate this Agreement at any rime for any rea.+un.
11. LIMITATIONS OF LIABILITY. Because the CBCInnovis Services involve conveying information provided by other sources,
including credit repositories neither CBCInnovis nor the credit repositories will, for the fee charged for the Services, be an insurer or
guarantor of the accuracy or reliability of the Services, data contained therein. NEITHER CBCINNOVIS NOR THE CREDIT
REPOSITORIES GUARANTEE OR WARRANT THE ACCURACY, TIMELINESS, COMPLETENESS, CURRENTNESS,
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE SERVICES, INFORMATION IN THE
SERVICES OR THE MEDIA ON OR THROUGH WHICH THE SERVICES ARE PROVIDED AND SIIALL NOT BE
LIABLE FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY CBCINNOVIS OR
THE CREDIT REPOSITORIES' ACTS OR OMISSIONS,WHETHER NEGLIGENT OR OTHERWISE.
IN WITNESS WHERFOF,the undersigned has executed this Agreement as of the date set forth above.
CBCInnovis, Inc. Customer's Name: Co of Fresno
Auditor-Controller/ asurer-Tax
Collector
Signature: Signature:
Name: Goa f'>j Name: Bob Waterston
Ple-ifiAlrini Please Print
Title: t'� rtdYKt� OUl�lnarP✓ Iit1e: Chairman, Board of Supervisors
Date: [C)1 i 3h(s -- - Date: AN N 2 3 2007 _
Schedule I- Credit Reporting, version 2.0 3
Date Revised: 513106
EXHIBIT 441 to SCHEDULE#1: CUSTOMER AFFILIATES
Please Mark the appropriate designation:
tOnly Customer and its employees will be accessing CBCInnovis Services.
❑ Customer has processing centers, branch locations or affiliates under common ownership and control (Customer
Affiliates), "Control" means having the ability to direct the management and policies of the entity in question,
whether directly or indirectly.
Each Customer Affiliate must be listed below in order to receive the Services. Customer may add Affiliates with
written notice. Customer represents and warrants that it has the full power and authority to bind each Customer
Affiliate to this Agreement.
Customer A11'iIiiac's Name Physicil Address
1.
2.
3.
4.
5.
6.
7.
x.
9.
10.
Il.
Schedule 1-Credit Reporting,version 2.0 4
Bate Revised: 5/3/06
CERTIFICATE OF DELIVERY OF DOCUMENT
l am employed by the County of Fresno as a Deputy Clerk of the
Board of Supervisors. On January 23, 2007, 1 delivered a copy of
Agreement No. 07-029 to the Chairman of the Fresno County Board of
Supervisors.
ier Flores, Deputy Clerk