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FY2012-33 Contract Agreement For The Provision Of Employee Background Checks With SterlingCONTRACTS TRANSMITTAL FORM RETENTION SCHEDULE: CL -09 CONTRACTS Records related to obligations under contracts, leases, and other agreements between the Borough and outside parties, successful bids, and proposals. Active records are kept by the corresponding department. Apply retention (plus 4 years) once contract or agreement expires, or once product is procured. Apply retention (plus 25 years) for agreements that involve real property. 02/12/26 M Christiansen Manager DATE: TRANSMITTED BY: DEPT: CONTRACT NO.: FY VENDOR OR CONTRACTOR: Sterling CONTRACT TITLE(Please provide details that are available such as purpose and/or the amount): Service agreement for the provision of employee background checks Administrative contracts are contracts approved by the manager that are within the spending authority allowed by code. Assembly approved contracts are beyond the manager's spending authority and require approval by the Assembly during a meeting. APPROVED BY: Administrator DATE OF APPROVAL: 09/08/12 TYPE OF CONTRACT: Contract PROVIDE DETAILS FOR ANY AUTOMATIC RENEWALS OR EXTENSIONS BELOW: remains in effect until canceled EXPIRATION OR REVIEW DATE: PURGE DATE: If there's no expiration date or the contract is open-ended, enter 9999 in the date field and explain when it should be flagged for review: suggested review every three years Are all relevant attachments, exhibits, referenced documents attached? P1 Are the successful bids and proposals incorporated in the attachments? ONLY COMPLETE THIS SECTION IF THE RECORD AMENDS, EXTENDS, IS A CHANGE ORDER, OR AN ADDENDUM TO AN EXISTING CONTRACT m7_r N Z CONTRACT NO.: FY REQUESTED BY: CATEGORY: Select One APPROVED BY: Select One TYPE OF CONTRACT: Select One PROVIDE DETAILS FOR ANY AUTOMATIC RENEWALS OR EXTENSIONS BELOW: EXPIRATION DATE: PURGE DATE: If there is no expiration/purge date, enter 9999 as the year for open-ended contracts AND explain the process below on how or when it should be flagged for review. Rev. 04/09/2025 I[= LING COMPANY NAME: Kodiak Island Borough STREET ADDRESS: 710 Mill Bay Road CITY: Kodiak State: AK ZIP: 99615 AGREEMENT STERLING INFOSYSTEMS, INC. and subsidiaries, having offices at 5750 West Oaks Boulevard Suite 100 Rocklin CA 95765 (hereafter referred to as "STERLING") and Company named above (hereinafter referred to as CLIENT) agree as follows: [i©�iff1WHam 1. To utilize STERLING as Its exclusive employment screening/background checking vendor for the term of 36 months commencing this 6th day of September 2012. 2. This Agreement shall remain in effect thereafter for a series of like periods unless either party notifies the other party of its wishes to terminate the Agreement at least 30 days prior to the expiration of the Initial or subsequent term. 3. Client agrees to notify STERLING of any changes to Its notice address or contact information. STERLING AGREES: 1. To provide CLIENT with access to services and take responsibility for performing services in a timely and accurate manner consistent with that of a professional employment screening agency. 2. STERLING will provide CLIENT with a bi-weekly invoice summarizing all work orders and associated charges. Accordingly, payment Is due within 45 days upon receipt of said invoices. STERLING may suspend services under this Agreement at its own discretion without notice (i) upon Client's failure to pay amounts when due, (ii) if Client files bankruptcy or reorganization or fails to discharge an involuntary petition within 60 days after filing date. Any termination hereunder shall subject the client to all unpaid accrued charges. IT IS MUTUALLY AGREED: 1. If either party fails to comply with the provisions of this Agreement, the other party may give notice of such failure, specifying the failure in such detail as is then known to the non -complying party. This Agreement can be terminated within the Initial or subsequent like term if the non -complying party falls to cure the default within 45 days following such notice. All notices required to be given under this Agreement shall be in writing and delivered certified mail, return receipt requested, to the parties at the respective addresses set forth in this Agreement. 2. This Agreement shall be governed by the laws of the State of California. The terms and conditions of this agreement shall inure to the benefit of and be binding upon the parties hereto, their successors and assigns. Any controversy or claim of any nature, arising out of or relating or referring in any way to this Agreement or its breach, which controversy or claim cannot be amicably resolved, shall be settled In a court of competent jurisdiction In the State of California. Each party consents and agrees to submit to the exclusive jurisdiction of said court and that the County of California, shall be designated as the venue for the resolution of any claim arising hereunder. In the event that an action must be undertaken to collect monies due, the CLIENT agrees to pay all court costs, including but not limited too reasonable attorney fees and court appointed Interest. 3. This Agreement contains the entire and exclusive statement of the Agreement between STERLING and CLIENT and supersedes all prior Agreements, oral and written, and all other communications between the parties relating to the subject matter of this Agreement. Sterling is hereby authorized to obtain any Information it may require relating to the credit worthiness of the undersigned from any source including the Client's bank, references, or a credit reporting agency. This affirmation will continue as long as there is a balance outstanding. Any modifications shall be made in writing, signed by the parties here to. 4. During the initial term on this Agreement, the services and prices listed below will be in effect. Governmental fee increases outside the control of STERLING during the initial or renewal term of this Agreement will be passed through to CLIENT. ww.v.sfedinglnfosysfems.cam 2012 Page 75 of 76 6760 West Oaks Boulevard Suite fee Rocklin CA 95765 • Telephone 800-943-2569 • Facsimile 800-943-0572 By: +,I TLRLIIv!G PRICING KODIAK ISLAND BOROUGH "BASIC" PACKAGE 7_YR Unlimited County Criminal Search(Based off SST)^ Education Verification (Highest Level of Degree)* 75.00 ._ Employment Verification (Last.3 Employers)* _ _ MVR Report+ Enhanced National Search KODIAK ISLAND BOROUGH "INTEGRITY" PACKAGE _7-YR_Unlimited County Criminal -Search fall counties off SSj^ 7 -YR Federal Criminal Search . all counties off SST ._.. . _.Z____._.._—. --- Enhanced National Search _Employment Verification (Last 3.Employers)* _ Education VerificaUon.(Highest Level of Deyre�* license DO] 50 State Sex Offender Search 13.00 ._Credit -Site Inspection fee (One-time Fee) -.,8000 _Implementation(Setup. Fee One_time Feel ___�____________ ____. �275.00�_,_ ^Includes all county court fees except for criminal fees in NY, ME, VT, and Puerto Rico "Third party verification fees Incur an additional charge. *"Third party collection fees Incur an additional charge. #Motor Vehicle Searches Incur an additional state to state DMV fee. S, INC �,CaLFO�V D Date: Yf /II// 7- 5750 West Oaks Boulevard ISLAND BOROUGH R • Telephone 800-943-2589. Facsimile 800-943-4572 Please check the box next to the specific purpose for which Information will be used. Subscriber must speclN the purpose for which Consumer Reports, Investigative Consumer Reports and/or Consumer Credit Files will be used. Subscriber must confirm this use by checking the appropriate box below. Reports will be used for Employment purposes ❑ Tenant screening purposes ❑ Volunteer screening purposes ❑ Student screening purposes Reports will be used for other permissible purpose (Please describe) (Please provide the name of the bank which maintains your business checking account) Bank Name: Vie, ,c.kY�tm fr 13 . K- Coa L Address: '0x002- t f I�CJlll City: �XktCt-tL Business Checking Account Number(s): _ Alternative to Banking Reference: Obtain a annual report (certified by CPA). (Must be ( Company: Phone: Ru t- State: A K Z/lp�:�l n�� Date Account Opened `I !l � of a listing with A.M. Best, Moodyrs, Standard and Pears, FDIC, NCUA or a copy of the end users (Please provide a current trade reference) Phone: (90''f ) City: 1'toA OY-- l j y State: A R-- Zip: p_____ Contact Name: AyNc a- I I IC Flt O 1r� Doing Business Since iT t Ut� Account Number(s): 1�Cr� T -S 11 .. • (Please provide a current trade reference) W�1 Company: /�C-trWA4" 1t�0 CTLs t ( Phone:(QO� Address: `fa & <�Cre� I scc P_ 5-OC7 �y City: C )��� _ _ 7y nlStale: �.. Zip: �-l_�0 Contact Name: i /, .r!�.ii'�11,11-Tc7aWl�I I 1-t 11, / Doing Business Since Account Number(s):"K-G� QR— +5I ..... BOY'nco-V The following applies to credit information/consumer/investigative report products We certify that I/We will use the credit Information/consumerfinvesligative report for no other purpose other than what Is stated in the Permissible Purpose/Appropdate Use section on this application and for the type of business listed on this application. I/We will not resell the report to any third party. I/We understand that if my system is used Improperly by company personnel, or if my access codes are made available to any unauthorized personnel due to carelessness on the part of any employee of myXfrlp2tlpy,4rA*1a may be held res fions�ble for financial losses, fees, or monetary charges that may be incurred and that my access prr vliegein ef'Y )efmm�'db fid. 6760 l EI�LING Only Clients who wish to request employment credit reports complete the following sections. Type of Business: Do you have an Investigation License? ❑ Yes 'QNo Estimated number of Credit Reports you will order monthly: If Yes, please provide a copy with this application. Do you already have a credit reporting software package? ❑ Yes KNo If Yes, What is the name? Does your industry require a business license? O Yes ANo If Yes, please provide a copy with this application. Business Telephone Number qcr-- ff'8L-gacii ❑ Yes (attached) X No If Yes, Please provide a copy of telephone listing from Yellow pages, super pages, etc with this application. If No please attach a phone bill in the name of the company, (Please provide a separate letter of intent on company letterhead that must be signed by an officer, owner or authorized manager. (See attached sample letter of intent) Tho letter must Include the following: 1. Nature of business 2. Its Intended use for the service 3. Anticipated monthly volume 4. Intent on whether It anticioales Its access to be primarily local, maional or national. The following applies to credit informatlon/consumer/investigative report products: IM/e certify that INNe will use the credit informatlon/consumer/investigative report for no other purpose other than what is stated in the Permissible Purpose/Appropriate Use section on this application and for the type of business listed on this application. I/We will not resell the report to any third party. Me understand that if my system is used improperly by company personnel, or if my access codes are made available to any unauthorized personnel due to carelessness on the part of any employee of my company, INNe may be held responsible for financial losses, fees, or monetary charges that may be incurred and that my agp9ds'pYTCflege+lylay be terminated. Company Name ti + s •' Type or Prua Name of C caner or car +t its x�.: -r r Authorized Signature Date / mpg 9� Kwft V. At MAO, 10ftr'"A omo U wwwsledln9lnfosystems.com 2012 Page 3 of 16 6750 West Oaks Boulevard Suite 100 Rocklin CA 95765 . Telephone 800-943-2589. Facsimile 800-943A572 September 7, 2012 Sterling Infosystems, Inc. 5750 West Oaks Boulevard Suite 100 Rocklin, CA 95765 Kodiak Island Borough OFFICE of the MANAGER 710 Mill Bay Road Kodiak, Alaska 99615 Phone (907) 486-9301 Fax (907) 486-9374 E-mail: Iwhiddon @kodiakakms RE: TransUnion PEER Credit Reports Gentlemen: The Kodiak Island Borough is a Second Class General Law municipality with a "Manager" plan of government. The Kodiak Island Borough was created as a regional government to serve the public by financing and administering the primary functions of Education, Assessment and Collection of Taxes, Land Use through Planning and Zoning, Mental and Physical Health, and General Administration. Other services include Solid Waste Collection and Disposal, Parks and Recreation, Economic Development, Animal Control, and Fire Protection and First Responder Emergency Medical Services, and other services that will be provided when adopted by service areas. We plan to utilize your services to obtain credit reports as part of a background/reference check for our hiring process, and would obtain them for management and other positions because of their position of power and influence and access to funds and information. We expect that we would request less than one report per month. Credit reports will be accessed from our location here at 710 Mill Bay Road, Kodiak, Alaska. Sincerely, KODIAK IS/.IND BOROUGFI e-7 Charles E. Cassidy Administrative Official CEC:Ijw STERLING Date of Application: 9/6/2012 Important: All information must be completed In Its entirely. Please print clearly and legibly to ensure accurate and timely processing. Company Name: r\CU I(t 1 _`j I\01 A-)�)Y-Ol Type of ausiness: Gb\)ee )2,yyye— fflw z i (If company has been In business for one year or less, two of the folio" a. Copy of utility bill or telephone bill In the business name b. Copy of lease or proof of property ownership c. Copy of bank statement addressed to the end user d. Proof of commercial Insurance Type of Ownership (indicate one): KpoTporation 0 LLC Years in Business 'f"O yrs ust be obtained and attached to application) 0 Nonprofit 0 Partnership 0 Sole Owner Do you have any other company name(s) or DBA? 0 Yes XNo If Yes, please Its(: The following must be attached to the application URL: WWW, kokcakak..us Please attach screenshot of primary home page of your website. MO. Certificate of Incorporation or Equivalent: Please attach a copy of your organizations Certificate of Incorporation or equivalent, a print out from the secretary of state's website is also acceptable. Federal Tax ID # Elio 4 1 a-00�vs f Full Name of Omer _or�anAuthorized OfficerofCorporation: Tte: tY�IST(ZLc fl lie �T7lel'C�� Phone:( )-gt6--q30-L Email: iJ0-a5751-J Q 1<(Xk(dX0,K,US Fax: (1?o�� 4 r Physical Street Address (go P.O. box numbers, please): iD 0)k sn cc i4�on City., k.txQ,tak. Scale:A/��- Z)pn_MO 15 How Long? yrs on . Phone: ROT Fax: (?© ) y V - y 3, Is this a residential address? 0 Yes X No Previous Address: City: Slate: Zip:_____ How Long? yrs mo. (if sole owner or partnership, please complete the section below.) 0 I understand that the Information provided below will be used to obtain a consumer credit report, and my creditworthiness maybe considered when making a decision to grant me permission to obtain background checks. Principal name: Title or Posllion: Social Security Number. _ _ _ - _ _ - _ _ _ _ Residential Street Address: Year of Birth: Phone: ( City: Slate: Zip: _ _ _ _ _ (If this section Is completed consent to obtain a copy of the owner's or partners personal credit report must be obtained as well as a government issued f f-f?L_INV END USER CERTIFICATION In compliance with the Federal Fair Credit Reporting Act, as amended (the "FCRA'), Kodiak Island Borough ("End User") hereby certifies to Sterling Infosystems, Inc. (Sterling) that it understands and will comply with End User's obligations under the FCRA, as set forth below. End User or Sterling, should End User elect to utilize Sterling's Electronic Wel Signature (EWS) product, will ensure that prior to procurement or causing the procurement of a consumer report or investigative consumer report (collectively the "report") for employment purposes as required by law: a) A clear and conspicuous disclosure has been made In writing to the consumer prior to the report being procured or caused to be procured, in a document that consists of only the disclosure, that a consumer report will be obtained for employment purposes; and b) The consumer has authorized in writing the procurement of the report by the End User. Further, End User or Sterling, should End User elect to utilize Sterling's EWS product, will additionally ensure that prior to procurement or causing the procurement of an investigative consumer report for employment purposes as required by law: a) A clear and conspicuous disclosure has been made in writing to the consumer prior to the report being procured or caused to be procured, in a document that consists of only the disclosure and the disclosure set forth in 1a) above, that an investigative consumer report including information as to the consumer's character, general reputation, personal characteristics and/or standard of living will be obtained for employment purposes; and b) Such disclosure contains a statement advising the consumer of his/her right to request a complete and accurate statement regarding the nature and scope of the requested investigative consumer report and his/her right to request a copy of the rights of the consumer under the FCRA, a copy of which is attached hereto ("Summary of Consumer Rights"). 3. Additionally, to the extent End User is requesting Sterling to provide !CORI information, End User also affirms that: (i) End User notified the consumer in writing of, and received permission via a separation authorization for Sterling to obtain and provide CORI information to End User; (it) End User is In compliance with all federal and slate credit reporting statutes; (iii) End User will not misuse any CORI information provided in violation of federal or state equal employment opportunity laws or regulations; and (tv) End User will provide Sterling with a statement of the annual salary of the position for which the subject is screened. Additionally to the extent End User requests any reports covered by the California Investigative Consumer Reporting Agencies Act which require consent from the consumer, End User also affirms that: (i) the stand-alone disclosure provided to the consumer states Sterling's name, mailing address, website address, and toll-free telephone number; (it) such disclosure indicates that the report will include information on the consumer's character, general reputation, personal characteristics, and mode of living; (ii) such disclosure indicate the nature and scope of the investigation to be performed; (iii) such disclosure advises the consumer of his/her right to inspect Sterling's files about the subject by providing proper identification and Sterling will provide the subject with trained personnel and explanation of any codes to help understand those files; and (iv) such disclosure contains a box that the consumer may check to request a copy of the report and if the consumer checks that box, a copy of the report will be sent to the consumer within three business days after End User receives the report. 5. In using a report for employment purposes, before taking any adverse action based in whole or in part on the report, the End User shall provide to the consumer or authorize Sterling on behalf of the End User to provide to the consumer to whom the report relates: a) A copy of the report; and b) A copy of the Summary of Consumer Rights and any applicable slate summary of rights; and c) Provide the individual with a reasonable opportunity of time to correct any erroneous information contained in the report (and provide Sterling's name and contact information) and if the Individual is ultimately disqualified an Adverse Action letter. vnvwsledinglnfosystems.com 2012 Pago 4 of 16 5750 West Oaks Boulevard Suite 100 Rocklin CA 95765 • Telephone 800-943-2589 . Facsimile 800-943A572 STFf FING End User confirms that it must inform Sterling Infosystems if any requested report is not to be used for employment purposes. End User confirms that it will not use the information contained in a report in violation of any applicable federal, slate or local equal employment opportunity or other law, rule, regulation, code or guideline. End User also confirms that while it might provide Sterling with copies of consent forms or related documents In order to provide Sterling with information necessary to provide its services, Sterling is not required to maintain copies of such documents and any obligations to retain such documents under federal or state law remain solely with End User. However, should End User elect to utilize Sterling's EWS product, Sterling will maintain electronic copies of consent forms. End User agrees to indemnify and hold harmless Sterling, its predecessors, successors and assigns, and their current and former officers, directors, employees, agents and independent contractors, both individually and in their official capacities (the "Company") from any liability and attorneys' fees incurred due to End User's violation of any of the terms of this Certification. End User also confirms that information obtained through a Social Security Number trace will not be used directly to disqualify applicants from employment or employees from continued employment. End User hereby acknowledges receipt of the Summary of Cc Reports: bligalion�s of Users under the FC . ", also attached Company/End User T I� I^C My to Users of Consumer ��wiwSledinglnfosyslems.com _.-_�_--------__v. 2072--�� — Page 5 of 16 �- 5750 West Oaks Boulevard Suite 100 Rocklin CA 05765. Telephone 800-943-2589 • Facsimile 800943A572 STATE OF Af.ASKA 11CaaT1aY 0I ITAi[ JUNEAU CERTIFICATE Pursuant to roOoaacendatioas based on findings made by the Local Affairs Agency and the Attorney General's offioe that the full and correct boundary description as not forth in the Local Boundary cetamission's report of August S, 1963 had in part been excluded frog the boundary description in the certificate of Incorporation of Kodiak Island norought I, XEITH 11, MILLER, SB"VMY OT STATE OF THE STATIC OF ALASKA, 00 HEREBY file a corrected Certificate of Incorporation of Vcdiak Island Borough, I DO HERESY D=ARE T1tAT in accordance with the Provisions of sections 2.12(d) and 2.12(f) Of Chapter 1461 Session Lav ka of Alaska, 1961, as noa, an election for the incorporation of a second class borough, known ts as the Kodiak Island Borough, was held on Ssptnubar 24, 1963, within the boundaries of said proposed borough and that a majority of votes ware cast for incorporation. I DO :1ER811Y Yt1RYEfR DttCLAttK'T'9AT the Kodiak Island Borough is an organized borough and a municipal corporation, THAT it possesses all the powers and privileges prescribed for boroughs Of the second class by Chapter 116, Session Laws of Alaska, 1961, an aemndedl AND THAT the borough seat is Kodlak and the boundaries of the said borough are* ! All of the islands that lie southeast of the centerline of Shelikof Strait and ■oath of a line that is three aeogsaphicai miles north"of vahagat, Hest Axe tuli and East Aaaettli Islands and vast of a line that is throe geographical Miles seaward from the Pacific Coast of Shuyak, Afognek, Marmot, Spruce, Kodiak, HOOdy, Ugakt Sitkalidak', TWO Headed, Cassa and Sitkinak Islands and north of a line that is three gaographical eLilos south of the 7acifiO coast of Sitkinak and Tugidak Islands and east of a line that is drawn from a point three geographical miles Mast Of the southwest tip of Tugidak Island, thence to a point three geographical miles wet of Cape ikoiik on Kodiak Island, thence northwesterly to the aehterline of Shelikof Strait. The Xodlak Naval Station (bass proper) is excluded, lfhen any of the excluded ar"..is no longer subject to a military reservation the saw shall because part of the Kodiak Island Borough. 1N TESTIMONY WHEREOF, I have hereunto sot my baud and WNW hecr?eto t} p Seal of the State of Alaska, at Jtmoau, the Capital, This,».1.L//too- iy...........4ay of...... .._ ...... ....................._......., KEITH H. M1LLIZ s,mmy of sr.r, (KIB 7/93) Supp. X6 STATE OF ALASKA DEPARTMENT NT OF COMMUNITY AND REGIONAL AFFAIRS OFFICE OF THE COMMISSIONER JUNEAU,ALASKA CERTIFICATE OF BOUNDARIES KODIAK ISLAND BOROUGH 1, David G. Hoffman, Commissioner of the Alaska Department of Community & Regional Affairs, hereby certify that the followingis a true and accurate description of the Jurisdictional boundaries of the Kodiak bland Borough, an Alaska municipal corporation. The boundaries described below reflect ail changes to.the boundaries of the Kodiak Island Borough including annexation of an approximate 12,343 square mile area by tacit approval of the First Session of the Sixteenth Alaska State Ujislature, effective March 4,1989. Beginning at Cape Douglas on the west side of Cook Inlet at the NE Corner of protracted Section 27, Township 15 South, Range 24 West, Seward Meridian (S.M.); thence west to the NE Comer of protracted Section 29,Township 15 South, Range 26 West, S.M.; thence south to the SE Comer of protracted Section 32,- Township 2;Township 16 South, Range 26 West, S.M.; thence west to the NE Corner of protracted Section 1, Township I7South, Range 28 West S.M.; thence south to the SE Comer of protracted Section 36, Township 17 South, Range 28 West, S.M.; thence west to the NE Corner of protracted Section 1, Township 18 South, Range 31 West, S.M.; thence south to the SE Comer of Section 1, Township 20 South, Range 31 West, S.M.; thence west to the NW Comer of protracted Section 11, Township 20 South, Range 31 West; S,M.; thence south to the SW Corner of protracted Section 23, Township 20 South, Range 3l Wgst; S.M.; thence west to the NW Comer of protracted Section 29, Township 20 South, Range 31 West; S.M.; thence south to the SW Comer of protracted Section 32, Township 20 South, Range 31 West, S.M.; thence west to the NW Comer of Section 2, Township 21 South, Range 32 West; S.M.; thence south to the SW Corner of protracted Section 11, Township 21 South, Range 32 West, S,M.; thence west to the NW Comer of protracted Section 18, Township 21 South, Range 32 West, S.M.; thence south to the SW Comer of protracted Section 19, Townshlp 21 South, Range 32 West,S,M.; thence west to theNW Comer of protracted Section30,Township2l South, Range 33 West, S.M.; thence south to the SW Comer of protracted Section 31, Township 21 South, Range 33 West, S,M.; thence west to the NW Corner of protracted SectionS,Township22South,Range 34 West, S.M.; thence south to the SW Comer of protracted Section 5, Township 22 South, Range 34 West, S,M.; thence west to the NW Comer of Section 9, Township 22 South, Range 35 West, S.M,; thence south to the SW Comer of Section 16, Townshlp 22 South, Range 35 West, S.M.; thence west to the NW Corner of Section 19, Township 22 South, Range 35 West, S.M.; thence south to the SW Comer of Section 30, Township 22 South, Range 35 West, S.M,; thence west to the NW Comer of Section 31, Township 22 South, Range 36 West, S.M.; thence south to the SW Comer of protracted Section 7, Township 23 South, Ranga36 West, S.M.; thence west to the NW ComerofSection 16, Township 23 South, Range 37 West, S.M.; thence south to the SW Comer of protracted Section 9, Township 24 South, Range 37 West, S,M.; thence east to the SE Comer of protracted Section 10, Township 24 South, Range 37 West, S.M.; thence south to the NEComer of protracted Section 11, Township 25 South, Range 1v Supp. Hb Certificate of Boundaries Kodiak island Borough Page Two 37 West, S.M.; thence west to the NW Comer of protracted Section 10, Township 25 South, Range 37 West, S.M.; thence south to the NE Comer of protracted Section 4, Township 27 South, Range 37 West, S.M.; thence west to the NW Comer of protracted Section 1, Township 27 South, Range 38 West, S.M.; thence south to the NE Comerof protracted Section 23, Township 27 South, Range 38 West, S.M.; thence west to the NW Comerof protracted Section 21,Township 27 South, Range 38 West, S.M.; thence south to the NE Comerof protracted Section 32, Township 27 South, Range 38 West, S.M.; thence west to the NW Comer of protracted Section 33, Township 27 South, Range 39 West, S.M.; thence south to the NE Corner of protracted Section 20, Township 28 South, Range 39 West, S.M.; thence west to the NW Comer of protracted Section 19, Township 28 South, Range 39 West, S.M.; thence south to the S W Comer of protracted Section 31, Township 28 South, Range 39 West, S.M.; thence west to the NW Corner of protracted Section 3, Township 29 South, Range 40 West, S.M.; thence south to the NE Comer of protracted Section 16, Township 29 South, Range 40 West, S.M.; thence west to the NW Comer of protracted Section 14, Township 29 South, Range 41 West, S.M.; thence south to the SW Corner of protracted Section 26, Township 29 South, Range 41 West, S.M.; thence east to the SE Corner of protracted Section 25, Township 29 South, Range 41 West, S.M.; thence south to the SW Corner of - protracted Section 31, Township 29 South, Range 40 West, S.M.; thence east to the, SE Comer of protracted Section 31, Township 29 South, Range 40 West, S.M.; thence south to the SW Comerof protracted Section 5, Township 30 South, Range 40 West, S.M.; thence west to the NW Comer of protracted Section 12, Township 30 South, Range 41 West, S.M.; thence south to the SW Comer of protracted Section 12,Township30South, Range 41 West, S.M.; thence west to the NW Comer of protracted Section 14, Township 30 South, Range 41 West, S.M.; thence south to the SW Comer of protracted Section 14, Township 30 South, Range 41 West, S.M.; thence west to the NW Comer of protracted Section 22, Township 30 South, Range 41 West, S.M.; thence south to the SW Comer of protracted Section 22, Township 30 South, Range 41 West, S.M.; thence west to the NE corner of protracted Section 29, Township 30 South, Range 41 West, S.M.; thence north to the NE Comer of protracted Section 8, Township 30 South, Range 41 West, S.M.; thence west to the NW Comer of protracted Section 7, Township 30 South, Range 41 West, S.M.; thence south to the SW Corner of protracted Section 7, Township 30 South, Range 41 West, S.M.; thence west to the NW Comer of protracted Section 14, Township 30 South, Range 42 West, S.M.; thence south to the NE Comer of protracted Section 27, Township 30 South, Range 42 West, S.M.; thence west to the NW Comer of protracted Section 27, Township 30 South, Range 42 West, S.M.; thence south to the NE Corner of protracted Section 33, Township 30 South, Range 42 West, S.M.; thence west to the NW Comer of protracted Section 33, Township 30 South, Range 42 West, S.M.; thence south to the NW Corner of protracted Section 9, Township 31 South, Range 42 West, S.M.; thence west to the SE Corner of protracted Section 2, Township 31 South, Range 43 West, S.M.; thence north to the NE Comer of protracted Section 2, Township 31 South, Range 43 West, S.M.; thence west to the NW Comer of protracted Section i, Township 31 South, Range 44 West, S.M.; thence south to the NE Comer of protracted Section 14, Township 31 South, Range 44 West, S.M.; thence west to the NW Corner of protracted Section 14, Township 31 South, Range 44 West, S.M.; thence south to the NE Comer of protracted Section 22, Township 31 South, Range 44 v Supp. #6 Certificate of Boundaries Kodiak island Borough Page Three West, S.M.; thence west to the NW Comer of protracted Section 21, Townshlp3l South, Range 44 West, S.M.; thence south to the NE Comer of protracted Section 5, Township 32 South, Range 44 West, S.M.; thence west to the NW Comer of protracted Section 6, Township 32 South, Range44 West,S.M.; thence south to the NE Comer of protracted Section 36, Township 32 South, Range 45 West, S.M.; thence west to the NW Comer of protracted Section 35, Township 32 South, Range 45 West, S.M.; thence South to the SW Comer of protracted Section 35, Township 32 South, Range 45 West, S.M.; thence east to the NW Corner of protracted Section 4,Townshtip33South, Range 45 West, S.M.; thencesouth to the NE Comer of protracted Section 8, Township 33 South, Range 45 West, S.M.; thence west to the NW Corner of protracted Section 12, Township 33 South, Range 46 West, S.M.; thence south to the NE Corner of protracted Section 26, Township 33 South, Range 46 West, S.M.; thence west to the NW Comer of protracted Section 27,Township 33 South, Range 46 West, S.M.; thence south to the NE Corner of protracted Section 16, Township 34 South, Range 46 West, S.M.; thence west to the NW Comer of protracted Section 18, Township 34 South, Range 46 West, S.M.; thence south to the SW Comer of protracted Section 6, Township 35 South, Range 46 West, S.M.; thence east to Cape KUokak on the Pacific Ocean; thence due south to a point at5e*-North Latitude, W19t 43^ West Longitude; thence southwesterly to W16'104 North Latitude, WPOT 40" Wet. Longitude; thence southeasterly to a point that is three geographical miles seaward from the Pacific Coast of South Island in the Semidl islands; thence southeasterly to a point that is three geographical Wes seaward from the Pacific Coast of Chirikof Island; thence northeasterly to a point that is three geographl. cal miles seaward from the Pacific Cotut of Cape Sltldnak; thence continuing northerly along a Rne that Is three geographical miles seaward from the Pacific Comtof Si tkinak,Ceese,Two Headed,Sltkalldak, Ugak, Woody, Kodiak,Spmce, Marmot, Afognak and Shuyak Islands; thence north to the point of intersection with a point that is three geographical miles east of the easternmost point of East Amatuli Island; thence northeasterly to the SE Comer of protracted Section 31, Township 12 South, Range 14 West, S.M., adjoining the southern boundary of the Kenai Peninsula Borough; thence southwesterlycontinuingalongsaidboundary to 59s 02' North Latitude, 153• West Longitude; thence south alongsaid boundary to the NE Comer of protracted Section 27, Township 15 South, Range 25 West, S.M., at Cape Douglas, the point of beginning, containing 21,908 square miles, more or less, With respect to the water areas, the boundaries of the Kodiak Island Borough extend to the limits of the State's jurisdiction under AS 44.03.010. Signed this H day of r\arch 1989. Dlavid C. Ho /Commissioner Alaska Department of Community and Regional Affairs vi Supp. #0 Certificate of Boundaries Kodiak Gland Borough Page Four ACKNOWLEDGMENT STATE OF ALASKA This is to certify that on the Aq " day of Ke (, 1989 before me, the under. signed, a Notary Public, duty commMoned and sworn as such, personally came David G. Hoffman, to me known to be the Commissioner of the Alaska Department of o Cmmunity and Regional Affairs, who signed the foregoing Certificate of Boundaries of the Kodiak Island Borough, Alaska. Notary Public aVi My commissionexpirex"s° r ts*a (KIB 7/93) i viii (KIB 7/43) Supp. X6 Kodiak Island, AK - Official Website +rnyconnactions: Engage your community - connect to newa. events and information you care about. View more Information.;, Search Page I of I sign In dJ 1" Code Revision Proie<t The KiB is requesting public Input regarding the revision of Borough Code Title 16 Subdivision, Title 17 Zoning, and Title 18 Real Property. Assembly Meetings Absentee By -Mall Applications Now Being Accepted Applications will be accepted Monday, April 2 through Monday, Bids Is Proposals September 29, 2012, at 5 P.M. Read on... ATTENTION! Project Advisory Committee Meeting (PAC) Borough Records The next PAC meeting Is scheduled for September 6, 2012 at 5:30 p.m. In the Kodiak Island Borough downstairs conference Employment room # 121, 710 Mill Bay Road . The committee will review proposed code changes to the draft code. For more Information call 986-9363 Pay Your Properly Taxes Online You can now pay your Property Taxes by Credit Carat Read on... VIEW ALL ,i Yili r9 1 ti KHS Addition and Renovation Prefect Please visit the KHS Addition and Renovation website for current information regarding this very important community project. 1'%odi'lf) w1111dt, I Home News Calendar Contact Us Site Map Accessibility Piwered by C(v.cPlus Kodiak Island Borough: 710 MCI Uay Rd., Kodiak, AY. 99615-6398, Ph: (907) at6-93U0 )Ill olloll http://www.kodiakak,us/ 9/6/2012 GCI P.O. Box 99001 +n9H Anchorage, AK 99509.9001 Address Service Requested LI Check here for change of address Remittance Section Account Number: 001.429661 Invoice Number: 43385132 Billing Date: 07/26/2012 Due Date: 08/17/2012 Total Due: $2,394.19 Amount Enclosed: $ Please put your account number on your check and make payable to: i tCI PSRT <B> IIIIII'11'I""'I"III'11111'1111'll"1'II'IIIIIIIII'11'I'IIIIIL t GCI KODIAK ISLAND BOROUGH P.O. Box 99001 710 MILL BAY RD w Anchorage, AK 99509.9001 t� KODIAK AK 99615-6398 N 1111'IIIIIr,r1�lII11Il'lllllll'II'll ll'IIr"II'IIII'lllrll'II'lII 0002394190014296610 Please detach and rofum above portion wilh yourpaymenl lot GCl Phone and Internet services. GCI Video serviceinvoime'separately, Donolsendcash. Make checks payable to: GC1 GC1 P.O. Box 99001 +Mgn Anchorage, AK 99509-9001 Account Summary $2,491,16 Account Number: 001-429661 Invoice Number: 43385132 Billing Date: 07/26/2012 Due Date: 08/17/2012 t'I-'vtCius Ackivlll, Amount Due on Last Invoice $2,491,16 Payments Received -$2,491,16 Balance Forward $0.00 C;iv((int Acdvii:y Local Services $1,115.74 Long Distance Services $178.19,,/ Wireless Services $860.28 Z Internet Services $239.98-/ Total Current Activity $2,394.19 Total Due: $2,394.19 „aoo i M en Important Messages Thank you for using GCII f„ i�; �.Oilk£44C1 idI)t3 ti}p' ' For GCI Business Customer Service please call 265.5454 (in Anchorage), 1-800.800.7754 (nallonvAde), or email us at bcs®gci.com. Please include your account number In your message. To pay online go toy_.•, -5,p ,;-_._ �TI.__RL ING NOTICE TO USERS OF CONSUMER REPORTS: OBLIGATIONS OF USERS UNDER THE FCRA The Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. The text of the FCRA is set forth in full at the Federal Trade Commission's Website at www.fte.gov/credit. At the end of this document is a list of United States Code citations for the FCRA. Other information about user duties is also available at the Commission's Web site. Users must consult the relevant provisions of the FCRA for details about their obligations under the FCRA. The 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. If you are a furnisher of information to a consumer - reporting agency (CRA), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher. I. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumers' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 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(n)(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 consumers 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)(li) • 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)end 604(a)(5) In addition, creditors and insurers may obtain certain consumer report information for the purpose of making "prescreened" unsolicited offers of credit or insurance. Section 604(c). The particular obligations of users of "prescreened" information are described in Section VII below. -- —--------- -- -- — -- ---- -- ------ -- _Pa9e6 of_ ---i6---- vnnvslerlinginfosystems.com 2012 6750 West Oaks Boulevard Suite 100 Rocklin CA 95765 • Telephone 800-943-2589 . Facsimlle 800-943A572 B. Users Must Provide Certifications Section 604(f) prohibits any person from obtaining a consumer report from a consumer reporting agency (CRA) unless the person has certified to the CRA 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 Notify Consumers When Adverse Actions Are Taken The term "adverse action" is defined very broadly by Section 603. "Adverse actions" include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603(k) of the FCRA — such as denying or canceling credit or insurance, or denying employment or promotion. No adverse action occurs In a credit transaction where the creditor makes a counteroffer that is accepted by the consumer. 9. Adverse Actions Based on information Obtained From a CRA If a user takes any type of adverse action as defined by the FCRA that is based at least In part on information contained in a consumer report, Section 615(a) requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. It must include the following: o 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. o A statement that the CRA did not make the adverse decision and is not able to explain why the decision was made. o A statement setting forth the consumer's right to obtain a free disclosure of the consumer's file from the CRA if the consumer makes a request within 60 days. o 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. 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(b)(1) requires that the user clearly and accurately disclose to the consumer his or her right to be told the nature of the Information that was relied upon if the consumer makes 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(b)(2) requires the user to notify the consumer of the adverse action. The notice 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. If consumer report information is shared among affiliates and then used for an adverse action, the user must make an adverse action disclosure as set forth in I.C.1 above. D. Users Have Obligations When Fraud and Active Duty Military Alerts are in Files When a consumer has placed a fraud alert, including one relating to Identity theft, or an active duty military alert with a nationwide consumer reporting agency as defined in Section 603(p) and resellers, Section 605A(h) imposes limitations on users of reports obtained from the consumer reporting agency in certain circumstances, including the establishment of a new credit plan and the issuance of additional credit cards. For initial fraud alerts and active duty alerts, the user must have reasonable policies and procedures in place to form a belief that the user knows the identity of the applicant or ------__,_____....___w_._ wvnvstedmgfnfosystems.com 2012 Page 7 of 16 5760 West Oaks Boulevard Suite 100 Rocklin CA 95765 • Telephone 600-943-2589 • Facsimile 600-943A572 IK��� �) (E F2 I_ I N G contact the consumer at a telephone number specified by the consumer; in the case of extended fraud alerts, the user must contact the consumer in accordance with the contact information provided in the consumers alert. E. Users Have Obligations When Notified of an Address Discrepancy Section 605(h) requires nationwide CRAB, as defined in Section 603(p), to notify users that request reports when the address for a consumer provided by the user In requesting the report Is substantially different from the addresses in the consumer's file. When this occurs, users must comply with regulations specifying the procedures to be followed, which will be issued by the Federal Trade Commission and the banking and credit union regulators. The Federal Trade Commission's regulations will be available at www.ftc.eov/credit. F. Users Have Obligations When Disposing of Records Section 628 requires that all users of consumer report information have In place procedures to properly dispose of records containing this information. The Federal Trade Commission, the Securities and Exchange Commission, and the banking and credit union regulators have issued regulations covering disposal. The Federal Trade Commission's regulations may be found at www.fte.00v/credit. II. CREDITORS MUST MAKE ADDITIONAL DISCLOSURES If a person uses a consumer report in connection with an application for, or a grant, extension, or provision of, credit to a consumer on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person must provide a risk-based pricing notice to the consumer In accordance with regulations to be jointly prescribed by the Federal Trade Commission and the Federal Reserve Board. Section 609(8) requires a disclosure by all persons that make or arrange loans secured by residential real property (one to four units) and that use credit scores. These persons must provide credit scores and other information about credit scores to applicants, including the disclosure set forth in Section 609(g)(1)(D) ("Notice to the Home Loan Applicant"). III. OBLIGATIONS OF USERS WHEN CONSUMER REPORTS ARE OBTAINED FOR EMPLOYMENT PURPOSES A. Employment Other Than in the Trucking Industry 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 from the consumer prior written authorization. Authorization to access reports during the term of employment may be obtained at the time of employment. • 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, the user must provide a copy of the report to the consumer as well as the summary of consumer's rights. (The user should receive this summary from the CRA.) A Section 615(a) adverse action notice should be sent after the adverse action is taken. An adverse action notice also is required In employment situations if credit information (other than transactions and experience data) obtained from an affiliate is used to deny employment. Section 615(b)(2) The procedures for investigative consumer reports and employee misconduct investigations are set forth below. _Page_.-- vnwrsterlinginfosystoms.com 2012 Page 8 of 16 5750 West Oaks Boulevard Suite 100 Rocklin CA 95765 • Telephone 600-943-2589 • Facsimile 600-943-4572 r y -1 1_ _R1 _ i I� B. Employment in the Trucking Industry Special rules apply for truck drivers where the only interaction between the consumer and the potential employer Is by mail, telephone, or computer. In this case, the consumer may provide consent orally or electronically, and an adverse action may be made orally, in writing, or electronically. The consumer may obtain a copy of any report relied upon by the trucking company by contacting the company. IV. OBLIGATIONS WHEN INVESTIGATIVE CONSUMER REPORTS ARE USED Investigative consumer reports are a special type of consumer report in which Information about a consumers character, general reputation, personal characteristics, and mode of living is obtained through personal Interviews by an entity or person that is a consumer reporting agency. 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 requires the following: • The user must disclose to the consumer that an Investigative consumer report maybe obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or 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 the summary of consumer rights required by Section 609 of the FCRA. (The summary of consumer rights will be provided by the CRA that conducts the investigation.) • 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. 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. V. SPECIAL PROCEDURES FOR EMPLOYEE INVESTIGATIONS Section 603(x) provides special procedures for Investigations of suspected misconduct by an employee or for compliance with Federal, state or local laws and regulations or the rules of a self-regulatory organization, and compliance with written policies of the employer. These investigations are not treated as consumer reports so long as the employer or its agent complies with the procedures set forth in Section 603(x), and a summary describing the nature and scope of the inquiry is made to the employee if an adverse action Is taken based on the investigation. VI. OBLIGATIONS OF USERS OF MEDICAL INFORMATION Section 604(g) limits the use of medical information obtained from consumer reporting agencies (other than payment information that appears in a coded form that does not identify the medical provider). If the information is to be used for an insurance transaction, the consumer must give consent to the user of the report or the Information must be coded. If the report Is to be used for employment purposes — or in connection with a credit transaction (except as provided in regulations issued by the banking and credit union regulators) — the consumer must provide specific written consent and the medical information must be relevant. Any user who receives medical Information shall not disclose the Information to any other person (except where necessary to carry out the purpose for which the Information was disclosed, or as permitted by statute, regulation, or order). VII. 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 from a CRA a list of consumers 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 consumers CRA file was used in connection with the transaction. vi,vw.sledinglnfosystems.com 2012 Page 9 of 16 5750 West Oaks Boulevard Suite 100 Rocklin CA 95765. Telephone 800943-2589. Facsimile 800-9434572 j *"5rr1�I_I1jG • 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 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. The statement must Include the address and toll-free telephone number of the appropriate notification system. In addition, once the Federal Trade Commission by rule has established the format, type size, and manner of the disclosure required by Section 615(d), users must be In compliance with the rule. The FTC's regulations will be at www.ftc.govtcredil. w,vvsledinginfosyslems.com 2012 Page 10 of 16 6750 West Oaks Boulevard Suite 100 Rocklin CA 95765 • Telephone 800-943-2589 • Facsimile 800-943-0572 Vlll. OBLIGATIONS OF RESELLERS A. Disclosure and Certification Requirements Section 607(e) requires any person who obtains a consumer report for resale to lake 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. B. Reinvestigations by Resellers Under Section 611(f), if a consumer disputes the accuracy or completeness of information In a report prepared by a reseller, the reseller must determine whether this is a result of an action or omission on its part and, if so, correct or delete the information. If not, the reseller must send the dispute to the source CRA for reinvestigation. When any CRA notifies the reseller of the results of an Investigation, the reseller must immediately convey the information to the consumer. C. Fraud Alerts and Resellers Section 605A(f) requires resellers who receive fraud alerts or active duty alerts from another consumer reporting agency to include these in their reports. IX. LIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result In state government or federal government 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. The FTC's Web site, www.fto.gov/credit, has more information about the FCRA, Including publications for businesses and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 at seq.: Section 602 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681cA Section 605B 15 U.S.C. 1681cB Section 606 15 U.S.C. 1681d Section 607 15 U.S.C. 1681e Section 608 15 U.S.C. 1681f Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 16811 Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681/ Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 16810 Section 618 15 U.S.C. 1681p -� wvnvsleriinginfosyslems.com--------------��--2012 __--.._—__-_�---J-- Pape 11 of 16-- 5750 West Oaks Boulevard Suite 100 Rocklin CA 95765. Telephone 800-943-2589 • Facsimile 800-9434572 1 I E (ZI_ING Section 619 15 U,S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 16811 Section 625 15 U.S.C. 1681u Section 626 15 U.S.C. 1681v Section 627 15 U.S.C. 1681w Section 628 15 U.S.C. 1681x Section 629 15 U.S.C. 1681y wvnvstedinginfosyslems.com 2012 �-� -' � Page 12 of —1-6--- .5760 65750 West Oaks Boulevard Suite 100 Rocklln CA 95766 . Telephone 800-943-2589. Facsimile 800-943.4572 5T I;. itI_ING Para information en Espanol, visite www.rtc.aov/credit o ascribe a la FTC Consumer Response Center, Room 130-A 600 Pennsylvania Ave. N.W., Washington, D.C. 20580. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.fte.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20560. • You must be told if Information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment — or to take another adverse action against you — must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what Is In your file, You may request and obtain all the Information about you in the files of a consumer -reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: o A person has taken adverse action against you because of information in your credit report; o You are the victim of identify theft and place a fraud alert in your file; o Your file contains inaccurate information as a result of fraud; o You are on public assistance; o You are unemployed but expect to apply for employment within 60 days. In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.00v/credit for additional information. • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit -worthiness based on Information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. • You have the right to dispute Incomplete or Inaccurate information. If you identify information in your file that is Incomplete or inaccurate, and report it to the consumer -reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.00v/credit for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete Inaccurate, Incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer - reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • Access to your file Is limited. A consumer -reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. • You must give your consent for reports to be provided to employers. A consumer -reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally Is not required in the trucking industry. For more information, go to www.fte.gov/credit. • You may limit "prescreened" offers of credit and Insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if te_ing._f_o_—sy__te_m.s_.c_m.__Page 13 of 76 5750 West Oaks Boulevard Suite 100 Rocklin CA 95765 • Telephone 800943-2589 • Facsimile 800-943A572 you choose to remove your name and address from the lists these offers are based on. You may opt -out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688). You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in stale or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit. • The FCRA gives several different federal agencies authority to enforce the FCRA: FOR QUESTIONS OR CONCERNS REGARDING PLEASE CONTACT Consumer reporting agencies, creditors and others not Federal Trade Commission listed below Consumer Response Center- FCRA Washington, DC 20580 877-382-4357 National banks, federal branches/agencies of foreign Office of the Comptroller of the Currency banks (word "National" or initials "N.A." appear in or Compliance Management, Mail Stop 6-6 after bank's name) Washington, DC 20219 - 800-613-6743 Federal Reserve System member banks (except Federal Reserve Board national banks, and federal branches/agencies of Division of Consumer & Community Affairs foreign banks) Washington, DC 20551 - 202-452-3693 Savings associations and federally chartered savings Office of Thrift Supervision banks (word "Federal" or initials "F.S.B." appear in Consumer Programs federal institution's name) Washington D.C. 20552 - 800- 842.6929 Federal credit unions (words "Federal Credit Union" National Credit Union Administration appear in institution's name) 1775 Duke Street Alexandria, VA 22314 - 703-519-4600 State -chartered banks that are not members of the Federal Deposit Insurance Corporation Federal Reserve System Division of Compliance & Consumer Affairs Washington, DC 20429 - 877-275-3342 Air, surface or rail common carriers regulated by former Department of Transportation Civil Aeronautics Board or Interstate Commerce Office of Financial Management Commission Washington, DC 20590 - 202-366-1306 Activities subject to the Packers and Stockyards Act, Department of Agriculture Office of Deputy Administrator-GIPSA 1921 Washington, DC 20250 - 202-720-7051 4852-2034-9199,v. 1 _Page --___i6 vnwtsterlinginfosystems.com 2012 Page 14 of 6750 West Oaks Boulevard Suite 100 Rocklin CA 95765 . Telephone 800-943-2689 • Facsimile 800-943A572