Post Office Box 644 Rome, Georgia Facsimile:

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1 Post Office Box 644 Rome, Georgia Facsimile: DISCLAIMER Our reports are submitted in strict confidence and except where required by law, no information provided in our reports may be revealed directly or indirectly to any person except to those whose official duties require them to pass this report on in relation to which the report was requested by the client. Professional Screening & Information, Inc. neither warrants, vouches for, or authenticates the reliability of the information contained herein that the records are accurately reported as they were found at the source as of the date and time of this report, whether on a computer information system, retrieved by manual search, or telephonic interviews. The information provided herein shall not be construed to constitute a legal opinion; rather it is a compilation of public records and/or data for your review. This report contains public record information that is reportable under the Fair Credit Reporting Act or other federal or state laws. However, the intended use of this information by the user may be restricted by separate state and/or local laws. California Notices a) This report does not guarantee the accuracy or truthfulness of the information as to the subject of the investigation, but only that it is accurately copied from public records, and information generated as a result of identity theft, including evidence of criminal activity, may be inaccurately associated with the consumer who is the subject of the report. b) The agency providing this report will provide, when contacted by the consumer seeking a copy of this report or making a request to review his/her file with the agency, a written notice in English and Spanish setting forth the terms and conditions of his/her right to receive disclosures of information such as office hours, any charges for disclosures, identification required for the release of information, names of recipients of reports on the consumer, what assistance is available to the consumer in reviewing/understanding the information and similar instructions. PSI Reporting Standard Disclosure PSI reports conviction information that is reportable under federal, state and local law up to 20 years from the disposition date. In many jurisdictions, only 7 to 10 years of criminal history record information is readily available. Additionally, we will report non-conviction information that is reportable by federal, state and local law up to 7 years from the date of entry. This standard is compliant with the federal Fair Credit Reporting Act (FCRA) that governs consumer reports (background checks). State specific laws may further restrict the reporting of criminal history information. This is our standard reporting policy but may not be applicable to the company or institution for which your background check was conducted. To confirm the reporting matrix used for the company or institution that requested your background submission, please contact PSI at (706) or (877) during business hours which are Monday through Friday from 8:00 AM EST to 5:00 PM EST. While some clients may have customized reporting matrices, PSI always follows applicable state and federal laws to include the Fair Credit Reporting Act (FCRA). Copyright. Professional Screening & Information, Inc. Last Updated: (31 Oct 2018) Page 1 of 6

2 DRAFT Post Office Box 644 Rome, Georgia Facsimile: BACKGROUND INVESTIGATION REPORT Copyright. Professional Screening & Information, Inc. Last Updated: (31 Oct 2018) Page 2 of 6

3 A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT Para información en español, visite o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 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 FCRA. For more information, including information about additional rights, go to or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 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: a person has taken adverse action against you because of information in your credit report; you are the victim of identity theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See 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 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 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 you choose to remove your name and address form the lists these offers are based on. You may opt out with the nationwide credit bureaus at OPTOUT ( ). CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer s credit file. Upon seeing a fraud alert display on a consumer s credit file, a business is required to take steps to verify the consumer s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. 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 state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may Copyright. Professional Screening & Information, Inc. Last Updated: (31 Oct 2018) Page 3 of 6

4 have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact: FOR QUESTIONS OR CONCERNS REGARDING: 1. a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates. b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: 2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act. c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions 3. Air Carriers 4. Creditors Subject to Surface Transportation Board 5. Creditors Subject to Packers and Stockyards Act, Small Business Investment Companies 7. Brokers and Dealers 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above PLEASE CONTACT: a. Consumer Financial Protection Bureau 1700 G Street NW Washington, DC b. Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC (877) a. Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX b. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO d. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC Nearest Packers and Stockyards Administration area supervisor Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S.W., Suite 8200 Washington, DC Securities and Exchange Commission 100 F Street N.E. Washington, DC Farm Credit Administration 1501 Farm Credit Drive McLean, VA Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC (877) Questions and/or consumer referrals may be made to: Professional Screening & Information, Inc, Post Office Box 644 Rome, Georgia Telephone (toll free): OR Thank you for allowing us the opportunity to serve as your background investigation provider. Copyright. Professional Screening & Information, Inc. Last Updated: (31 Oct 2018) Page 4 of 6

5 For California Employees: A Summary of Your Rights Under California Civil Code (a) An investigative consumer reporting agency shall supply files and information required under Section during normal business hours and on reasonable notice. (b) Files maintained on a consumer shall be made available for the consumer's visual inspection, as follows: 1. In person, if he appears in person and furnishes proper identification. A copy of his file shall also be available to the consumer for a fee not to exceed the actual costs of duplication services provided. 2. By certified mail, if he makes a written request, with proper identification, for copies to be sent to a specified addressee. Investigative consumer reporting agencies complying with requests for certified mailings under this section shall not be liable for disclosures to third parties caused by mishandling of mail after such mailings leave the investigative consumer reporting agencies. 3. A summary of all information contained in files on a consumer and required to be provided by Section shall be provided by telephone, if the consumer has made a written request, with proper identification for telephone disclosure, and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer. (c) The term "proper identification" as used in subdivision (b)shall mean that information generally deemed sufficient to identify a person. Such information includes documents such as a valid driver's license, social security account number, military identification card, and credit cards. Only if the consumer is unable to reasonably identify himself with the information described above, may an investigative consumer reporting agency require additional information concerning the consumer's employment and personal or family history in order to verify his identity. (d) The investigative consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished him pursuant to Section (e) The investigative consumer reporting agency shall provide a written explanation of any coded information contained in files maintained on a consumer. This written explanation shall be - distributed whenever a file is provided to a consumer for visual inspection as required under Section (f) The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. An investigative consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in such person's presence. Copyright. Professional Screening & Information, Inc. Last Updated: (31 Oct 2018) Page 5 of 6

6 Para Empleados de California: Un Resumen de Sus Derechos Según el Código Civil de California (a) Una agencia investigadora de informes del consumidor deberá suministrar los archivos y la información requerida bajo la Sección durante el horario normal y con aviso razonable. (b) Los archivos mantenidos en un consumidor estarán disponibles para la inspección visual del consumidor como sigue: 1. En persona, si usted presenta la identificación adecuada. Una copia del archivo estará disponible a usted por una tarifa que no debe exceder los costos reales de los servicios de duplicación. 2. Por correo certificado, si hace una solicitud por escrito, con la identificación adecuada, de copias ser enviadas a una dirección especificada. Sin embargo, una agencia investigadora de informes del consumidor cumpliendo con una solicitud por escrita, no será responsable por la revelación a terceros causados por mal uso del correo después de salir de sus establecimientos. 3. Por teléfono, si usted ha hecho una solicitud por escrito, con identificación adecuada para revelación telefónica. (c) Identificación Adecuada incluye documentos como licencia de conducir válida, número de la tarjeta de Seguro Social, tarjeta de identificación militar y tarjetas de crédito. Sólo si no puede identificarse con esa información la agencia investigadora de informes del consumidor puede pedir información adicional sobre su empleo y antecedentes personales o familiares para verificar su identidad. (d) La agencia investigadora de informes del consumidor proporcionará personal capacitados para explicar cualquier información proporcionada a usted como requerido según Sección (e) La agencia investigadora de informes del consumidor también proporcionará una explicación por escrito de cualquier información codificada contenida en el archivo. Esta explicación se distribuirá cuando se proporciona un archivo para inspección visual como requerido según Sección (f) Usted puede ser acompañado por otra persona de su elección cuando usted viene a inspeccionar su archivo. Esta persona debe presentar identificación razonable. La agencia investigadora de informes del consumidor puede requerir una declaración escrita concediendo permiso a la agencia para discutir su archivo en la presencia de su acompañante. Copyright. Professional Screening & Information, Inc. Last Updated: (31 Oct 2018) Page 6 of 6