Release for Background Investigation

Transcripción

1 Release fr Backgrund Investigatin I hereby authrize (hereafter referred t as Cmpany ) and r its agent, including but nt limited t The Pre-Check Cmpany (hereafter referred t as cnsumer reprting agency ), t investigate my backgrund nw and at any time in the future during my emplyment with the Cmpany. I understand that the cnsumer reprting agency will cnduct investigatins t btain infrmatin as deemed necessary in cnnectin with my emplyment with the Cmpany. The infrmatin btained may include investigatin int the last seven (7) years f my credit backgrund and beynd seven (7) years regarding my past emplyment, wrk habits, salary histry, educatin, criminal backgrund, mtr vehicle histry, wrkers cmpensatin histry, civil recrds, use f illegal substances and alchl abuse, persnal characteristics, mde f living and general reputatin. I understand that any direct r indirect cntact with frmer emplyers, schls, financial institutins, landlrds and public agencies may be made, and that persnal interviews with my assciates, friends, acquaintances, neighbrs, r ther persns wh may have such knwledge may be held t btain such infrmatin. I understand that any cnsumer reprt r investigative cnsumer reprt requested will be used strictly fr emplyment purpses as defined under 603(h) and authrized under 604(a)(3)(B) f the Fair Credit Reprting Act, as a reprt t be used fr the purpse f evaluatin fr emplyment, prmtin, reassignment r retentin as an emplyee. I further understand and cnsent t the furnishing f wrkers cmpensatin infrmatin, after a cnditinal jb ffer, which may include my medical infrmatin including any and all injuries pursuant t state law and in cmpliance with the Federal Americans with Disabilities Act. I hereby agree t submit t a backgrund investigatin, any pst-ffer/pre-emplyment and pst-hire drug and alchl testing and authrize the lab perfrming the test, any medical review fficer wh may review the results, the entity arranging fr the lab test, and r the Cmpany t release any results t parties wh have a need t knw such results. A phtgraphic r faxed cpy f this frm shall be as valid as the riginal. I frever release and discharge Cmpany, cnsumer reprting agency including but nt limited t The Pre-Check Cmpany, their respective fficers, directrs, emplyees and agents, my past emplyers, schls, persns named in my emplyment applicatin r resume frm any claims, damages, lsses, liabilities and expenses arising ut f the gathering and reprting f infrmatin abut me. I understand I may request an utline f the nature and scpe f the investigatin if such request is made in writing within a reasnable perid after the cmpletin f the investigatin. The address f The Pre-Check Cmpany is P.O. Bx 45375, Westlake, Ohi, 44145, and its tll free telephne number is (800) NAME: PLEASE FILL IN EACH BLANK SPACE: PHONE FORMER NAME: SOCIAL SECURITY #: CURRENT ADDRESS: CITY: STATE: COUNTY: LENGTH OF RESIDENCE: Years: Mnths: PREVIOUS ADDRESS: CITY: DRIVER S LICENSE: STATE DL NUMBER #: DATE OF BIRTH: STATE: COUNTY: LENGTH OF RESIDENCE: Years: Mnths: HAVE YOU EVER BEEN CONVICTED OF A CRIME? MAY WE CONTACT YOUR CURRENT EMPLOYER? YES NO IF YES, APPROX. DATE: YES NO CITY: STATE: In additin t authrizing backgrund investigatins as deemed necessary by Cmpany, I certify that the infrmatin I have prvided is true and cmplete, and I understand that false r incmplete statements f material fact n this authrizatin r in any prir cmmunicatin t the Cmpany will be sufficient cause fr my dismissal. DATE SIGNATURE is an equal pprtunity emplyer and des nt discriminate against applicants r emplyees n the basis f sex, race, clr, religin, natinal rigin, ancestry r age (40 years f age and ver). In additin, des nt discriminate against qualified individuals with disabilities.

2 THE PRE-CHECK COMPANY Helping yu hire the best. CLIENT REQUEST FORM FROM: TO: The Pre-Check Cmpany SENDER: ATTENTION: Operatins Department PHONE: PHONE: (216) FAX: FAX: (440) ACCOUNT#: NEW LOCATION: Westlake, OH If yu have truble r questins with this transmissin, please call the sender. CONFIDENTIALITY NOTICE: The dcument and infrmatin accmpanying this frm are privileged and cnfidential and intended fr disclsure nly t the named addressee. Any disclsure r distributin t r use by anyne else is prhibited. If yu have received this fax in errr, please ntify the sender immediately by telephne and return the frm and accmpanying dcuments t the sender at the abve address. Please cnduct a backgrund check n the fllwing individual. I have attached all necessary dcuments and infrmatin. NAME: SS# - - I have placed a checkmark next t the service(s) requested fr the applicant: EMPLOYMENT REFERENCE (Please prvide phne numbers and supervisrs names) EMPLOYMENT REFERENCE (Please prvide phne numbers and supervisrs names) EMPLOYMENT REFERENCE (Please prvide phne numbers and supervisrs names) OR EMPLOYMENT VERIFICATION EMPLOYMENT VERIFICATION EMPLOYMENT VERIFICATION (Chse nly ne type f criminal search frm the fllwing) CRIMINAL SEARCH BASIC CRIMINAL (Cunty f residence) CRIMINAL SEARCH PRE-CHECK COMPLETE (Cunties f present and prir residence) MOTOR VEHICLE REPORT 5 PANEL OR 10 PANEL URINE OR 5 PANEL HAIR TEST -PLEASE CIRCLE ONE EDUCATION VERIFICATION WORKERS COMPENSATION REPORT CREDIT HISTORY SPECIAL INSTRUCTIONS:

3 CLIENT SERVICE AGREEMENT This agreement is entered this day f, 20, by and between The Pre-Check Cmpany, an Ohi Crpratin (hereinafter referred t as "Pre-Check"), and (hereinafter referred t as "Client"). Client agrees t pay Pre-Check fr services prvided under this agreement in accrdance with the prevailing charges r in accrdance with charges stated in a service prpsal prvided directly t the Client. ATTENTION The Client agrees as fllws: 1) Client will cmply with all the prvisins f Public Law (Fair Credit Reprting Act, hereinafter FCRA) and all ther applicable statutes, bth state and federal. 2) Infrmatin will be requested nly fr the Client s exclusive use. Neither Client, nr its authrized representatives, will request cnsumer credit reprts fr any ther use than a use authrized by law and necessary fr business purpses, and agrees t use the infrmatin prvided in a manner that is cnsistent with all state and federal laws gverning the use f such infrmatin. 3) Client will make every reasnable effrt t safeguard and secure all infrmatin prvided by Pre-Check, as well as all supprting dcumentatin. All cnsumer infrmatin will be held in strict cnfidence, except t the extent permitted by law. Reprts n emplyees will be requested nly by Client's designated representatives. Emplyees will be frbidden t attempt t btain reprts n themselves, assciates, r any ther persn except in the exercise f their fficial duties. Client will nt disclse cnsumer credit infrmatin t the subject f the infrmatin except as permitted by law, but will refer the subject t the apprpriate Credit Bureau ffice identified n the cnsumer infrmatin. 5) Recgnizing that security is nt easily maintained, and that n frm f disseminatin is abslutely safe, Client designates herein, by mark and initial, the ne frm f disseminatin mst secure and reasnable fr Client receipt f cnsumer credit infrmatin. Secure website access (initial) Preferred Facsimile transmissin (initial) U.S. pstal mail delivery (initial) Electrnic mail delivery (initial) 6) Each time a request fr infrmatin r a credit reprt is made f Pre-Check fr emplyment, retentin, r prmtin purpses, Client will cmply with 604 f the FCRA namely (1) the cnsumer has been given a clear and cnspicuus written ntice, in advance (in a dcument that cnsists slely f the disclsure) that a cnsumer reprt may be required fr emplyment purpses; (2) the cnsumer has authrized the Client, in writing t prcure the reprt; (3) the infrmatin in the cnsumer reprt will nt be used in vilatin f any applicable federal r state equal emplyment pprtunity law r regulatin; (4) befre taking adverse actin, in whle r in part n the reprt, Client will prvide the cnsumer a cpy f the reprt and a descriptin f the cnsumer's rights under the FCRA. (Public Law prvides that any persn wh knwingly and willfully btains infrmatin n a cnsumer frm a cnsumer reprting agency under false pretenses shall be fined under Title 18 f the United States Cde, r imprisned nt mre than tw years, r bth.) Please initial here if yu plan n rdering credit reprts. 7) Client agrees t furnish Pre-Check pertinent infrmatin n applicants, in writing r verbally, t enable Pre-Check t perfrm the requested backgrund checks fr emplyment, retentin, r prmtin purpses. 8) T the best f its ability, Client will prvide prmpt, accurate and cmplete infrmatin at the time f transmissin and will cmply with 623 f the FCRA. 9) Client recgnizes that infrmatin in reprts prvided by Pre-Check is btained frm and prcessed by fallible surces (human and therwise). Fr the fee charged, Pre-Check and its fficers, emplyees, agents, and independent cntractrs cannt be insurers r guarantrs fr the accuracy f the infrmatin btained; and the Client will release Pre-Check and its fficers, emplyees, agents and independent cntractrs frm all liability frm claims arising ut f inaccuracy and/r incmpleteness f the infrmatin supplied by such surces t Pre- Check and its fficers, emplyees, agents and independent cntractrs.

4 The Pre-Check Cmpany represents and agrees as fllws: 1) The Pre-Check Cmpany is an Ohi crpratin, rganized and authrized t d business in the State f Ohi and is fully in cmpliance with all applicable federal, state and lcal laws and regulatins. 2) The Pre-Check Cmpany will perfrm the requested backgrund checks fr emplyment, retentin, r prmtin purpses upn being furnished, in writing by Client s designated representative(s), all pertinent infrmatin n applicants. Pre-Check will prmptly reprt the findings f its investigatins t Client and will therwise cmply with the requirements f the FCRA. 3) In rder t address security cncerns and t cmply with the FCRA, and ther applicable laws regarding security and emplyment, Pre-Check will identify the subject f the reprt fr infrmatin by name, last fur digits f scial security number and mnth and day f birth. Reprts will nt include the full scial security number r year f birth. 4) Pre-Check will prvide each Client with a user name and passwrd fr the Pre-Check website (lcated at fr secure access t backgrund reprts t include cnsumer credit reprts and substance abuse infrmatin requested by Client. 5) Pre-Check will ntify Client f the availability f cmpleted reprts n the Pre-Check website by electrnic mail. IT IS MUTUALLY AGREED as fllws: 1) This Agreement shall remain in frce and effect fr a term f ne year frm the last date shwn n the fllwing signature and acceptance lines and shall autmatically renew and thereafter, frm year t year n the same basis as set frth herein, subject t written ntice f cancellatin, which shall be given by either party at least ten (10) days in advance f any given date fr terminatin. All payment fr services shall be within thirty (30) days f invice. Any amunt nt paid within such term shall accrue interest at the rate f ten percent (10%) per annum cmputed daily. 2) If the Client is delinquent in the payment f the mnthly charges, r vilates the terms f this cntract, Pre- Check may, at its electin, discntinue prviding service t the Client and cancel this cntract, withut ntice t the Client. 3) If Pre-Check fails t perfrm the requested backgrund checks fr emplyment purpses, fails t prvide the requested infrmatin t the Client upn cmpletin f Pre-Check s investigatin, r therwise fails t cmply with the requirements f the FCRA, Client may, at its electin, cancel this cntract withut ntice t Pre-Check and pursue any and all ther remedies available under law. CLIENT Client Name: ACCEPTED BY The Pre-Check Cmpany Address: Center Ridge Rd., Suite 225 City: State: Zip: Westlake, OH Fax: Telephne: Date: Signature: Name: Rbert J. Drusendahl, President

5 THE PRE-CHECK COMPANY Helping yu hire the best Center Ridge Ste. 225 Westlake, OH Tips t ur clients T help serve yu better The fllwing are tips that will help us t expedite yur backgrund checks: 1. We are cmmitted t cmpleting yur requests within 3 t 4 days. We are currently running at a 96% cmpletin rate fr a 4-day turnarund time fr all ur clients. Thse recrds nt cmpleted are usually ut-f-state criminal histries, wrkers' cmpensatin, r educatin requests. 2. Yur request must be received by 11 AM (EST) in rder fr tday t cunt as "Day 1." All requests received after 11 AM are cnsidered "Day 1" n the next business day. Our criminal researchers require their assignments by nn, s 11 AM must be ur cutff time. 3. We can r fax cmpleted reprts t yu, with yur permissin. Please let us knw hw yu wuld like t receive the reprts: fr , we'll need the address, fr faxes, let us knw if yu require a phne call prir t faxing the cmpleted reprts. 4. We make a thrugh effrt t cnduct ur backgrund investigatin t best assist yu in yur hiring decisins. Pre-Check's standard effrt includes 3 t 5 phne calls, faxes as necessary, and fllw-up calls after faxes. We ask t speak t department heads, the applicant s immediate supervisr, and supervisrs f HR departments. If ur reasnable effrt has failed, we cnsider ur wrk cmplete. If yu prvide us with new infrmatin (i.e., dates f graduatin, maiden names, supervisrs phne numbers) AFTER we cmplete the reprt, we will begin a new service (Day 1 begins again) and charge fr the additinal services requested. We will try t expedite the new request. 5. T expedite yur reprt, please check all requests fr cmpleteness and legibility (i.e. Scial Security numbers, birth dates, legibility f name and checkmark fr cntacting current emplyer). 6. If yu prefer, yu can reach us thrugh . Just type the first name f yur Client Service r inf@pre-check.cm We thank yu fr chsing Pre-Check. It is ur hpe t exceed yur expectatins. If yu have any questins, please call Rbert Drusendahl at , extensin 106.

6 Para infrmacin en espanl, visite escribe a la FTC Cnsumer Respnse Center, Rm 130-A 600 Pennsylvania Ave. N.W., Washingtn, D.C A Summary f Yur Rights Under the Fair Credit Reprting Act The federal Fair Credit Reprting Act (FCRA) prmtes the accuracy, fairness, and privacy f infrmatin in the files f cnsumer reprting agencies. There are many types f cnsumer reprting agencies, including credit bureaus and specialty agencies (such as agencies that sell infrmatin abut check writing histries, medical recrds, and rental histry recrds). Here is a summary f yur majr rights under the FCRA. Fr mre infrmatin, including infrmatin abut additinal rights, g t r write t: Cnsumer Respnse Center, Rm 130-A, Federal Trade Cmmissin, 600 Pennsylvania Ave. N.W., Washingtn, D.C Yu must be tld if infrmatin in yur file has been used against yu. Anyne wh uses a credit reprt r anther type f cnsumer reprt t deny yur applicatin fr credit, insurance, r emplyment r t take anther adverse actin against yu must tell yu, and must give yu the name, address, and phne number f the agency that prvided the infrmatin. Yu have the right t knw what is in yur file. Yu may request and btain all the infrmatin abut yu in the files f a cnsumer reprting agency (yur file disclsure ). Yu will be required t prvide prper identificatin, which may include yur Scial Security number. In many cases, the disclsure will be free. Yu are entitled t a free file disclsure if: a persn has taken adverse actin against yu because f infrmatin in yur credit reprt; yu are the victim f identify theft and place a fraud alert in yur file; yur file cntains inaccurate infrmatin as a result f fraud; yu are n public assistance; yu are unemplyed but expect t apply fr emplyment within 60 days. In additin, by September 2005 all cnsumers will be entitled t ne free disclsure every 12 mnths upn request frm each natinwide credit bureau and frm natinwide specialty cnsumer reprting agencies. See fr additinal infrmatin. Yu have the right t ask fr a credit scre. Credit scres are numerical summaries f yur creditwrthiness based n infrmatin frm credit bureaus. Yu may request a credit scre frm cnsumer reprting agencies that create scres r distribute scres used in residential real prperty lans, but yu will have t pay fr it. In sme mrtgage transactins, yu will receive credit scre infrmatin fr free frm the mrtgage lender. Yu have the right t dispute incmplete r inaccurate infrmatin. If yu identify infrmatin in yur file that is incmplete r inaccurate, and reprt it t the cnsumer reprting agency, the agency must investigate unless yur dispute is frivlus. See fr an explanatin f dispute prcedures. Cnsumer reprting agencies must crrect r delete inaccurate, incmplete, r unverifiable infrmatin. Inaccurate, incmplete r unverifiable infrmatin must be remved r crrected, usually within 30 days. Hwever, a cnsumer reprting agency may cntinue t reprt infrmatin it has verified as accurate. Cnsumer reprting agencies may nt reprt utdated negative infrmatin. In mst cases, a cnsumer reprting agency may nt reprt negative infrmatin that is mre than seven years ld, r bankruptcies that are mre than 10 years ld. Access t yur file is limited. A cnsumer reprting agency may prvide infrmatin abut yu nly t peple with a valid need -- usually t cnsider an applicatin with a creditr, insurer, emplyer, landlrd, r ther business. The FCRA specifies thse with a valid need fr access.

7 Yu must give yur cnsent fr reprts t be prvided t emplyers. A cnsumer reprting agency may nt give ut infrmatin abut yu t yur emplyer, r a ptential emplyer, withut yur written cnsent given t the emplyer. Written cnsent generally is nt required in the trucking industry. Fr mre infrmatin, g t Yu may limit prescreened ffers f credit and insurance yu get based n infrmatin in yur credit reprt. Unslicited prescreened ffers fr credit and insurance must include a tll-free phne number yu can call if yu chse t remve yur name and address frm the lists these ffers are based n. Yu may pt-ut with the natinwide credit bureaus at OPTOUT ( ). Yu may seek damages frm vilatrs. If a cnsumer reprting agency, r, in sme cases, a user f cnsumer reprts r a furnisher f infrmatin t a cnsumer reprting agency vilates the FCRA, yu may be able t sue in state r federal curt. Identity theft victims and active duty military persnnel have additinal rights. Fr mre infrmatin, visit States may enfrce the FCRA, and many states have their wn cnsumer reprting laws. In sme cases, yu may have mre rights under state law. Fr mre infrmatin, cntact yur state r lcal cnsumer prtectin agency r yur state Attrney General. Federal enfrcers are: TYPE OF BUSINESS: Cnsumer reprting agencies, creditrs and thers nt listed belw Natinal banks, federal branches/agencies f freign banks (wrd "Natinal" r initials "N.A." appear in r after bank's name) Federal Reserve System member banks (except natinal banks, and federal branches/ agencies f freign banks) Savings assciatins and federally chartered savings banks (wrd "Federal" r initials "F.S.B." appear in federal institutin's name) Federal credit unins (wrds "Federal Credit Unin" appear in institutin's name) State-chartered banks that are nt members f the Federal Reserve System Air, surface, r rail cmmn carriers regulated by frmer Civil Aernautics Bard r Interstate Cmmerce Cmmissin Activities subject t the Packers and Stckyards Act, 1921 CONTACT: Federal Trade Cmmissin: Cnsumer Respnse Center - FCRA Washingtn, DC Office f the Cmptrller f the Currency Cmpliance Management Mail Stp 6-6 Washingtn, DC Federal Reserve Bard Divisin f Cnsumer & Cmmunity Affairs Washingtn, DC Office f Thrift Supervisin Cnsumer Cmplaints Washingtn, DC Natinal Credit Unin Administratin 1775 Duke Street Alexandria, VA Federal Depsit Insurance Crpratin Cnsumer Respnse Center 2345 Grand Avenue, Suite 100 Kansas City, Missuri Department f Transprtatin Office f Financial Management Washingtn, DC Department f Agriculture Office f Deputy Administratr - GIPSA Washingtn, DC

8 Un Resumen de Sus Derechs en Virtud de la Ley de Infrme Just de Crédit La Ley Federal de Infrme Just de Crédit (Fair Credit Reprting Act, FCRA) fmenta la exactitud, justicia y privacidad de la infrmación en ls expedientes de las agencias de infrme del cnsumidr. Existen muchs tips de agencias de infrme del cnsumidr, incluyend las agencias de crédit (credit bureaus) y las especializadas (cm agencias que venden infrmación sbre histrial de firma de cheques, expedientes médics e histrial de alquiler). A cntinuación tiene un breve resumen de sus principales derechs en virtud de la FCRA. Para más infrmación, incluyend infrmación sbre derechs adicinales, visite escriba a: Cnsumer Respnse Center, Rm 130-A, Federal Trade Cmmissin, 600 Pennsylvania Ave. N.W., Washingtn, D.C Deben ntificarle si la infrmación en su expediente se ha utilizad en cntra de usted. Td aquel que utilice un infrme de crédit u tr tip de infrme de cnsumidr para denegar su slicitud de crédit, segur emple, para emprender tra acción cntra usted, debe infrmarle y debe darle el nmbre, la dirección y el teléfn de la agencia que prprcinó esa infrmación. Tiene derech a saber l que está en su expediente. Puede slicitar y btener tda la infrmación sbre usted en ls archivs de una agencia de infrme del cnsumidr. Deberá prprcinar identificación, que puede incluir su númer de Segur Scial. En muchs cass, la divulgación de esta infrmación será gratuita. Tiene derech a una divulgación gratuita si: una persna ha emprendid una acción adversa cntra usted debid a infrmación en su infrme de crédit; usted es víctima de un rb de identidad y se clca una alerta de fraude en su expediente; su expediente cntiene infrmación n exacta cm resultad de fraude; usted recibe asistencia pública; n está emplead per anticipa slicitar emple en 60 días. Asimism, para septiembre de 2005, tds ls cnsumidres tendrán derech a una divulgación cada 12 meses si así l slicitan a cada agencia de crédit nacinal y de las agencias nacinales de infrme del cnsumidr especializadas. Para infrmación adicinal, visite credit/espanl_lans.htm. Tiene derech a pedir su puntuación de crédit. Las puntuacines de crédit sn resúmenes numérics de su valía de crédit basads en infrmación de las agencias de crédit. Puede slicitar una puntuación de crédit de agencias de infrme del cnsumidr que crean puntuacines distribuyen las puntuacines utilizadas en préstams de bienes raíces residenciales, per tendrá que pagar para recibirla. En algunas transaccines hiptecarias, el prestamista le dará gratuitamente infrmación sbre su puntuación de crédit. Tiene derech a cnfrntar infrmación incmpleta n exacta. Si identifica infrmación en su expediente que es incmpleta inexacta, y la reprta a la agencia de infrme del cnsumidr, la agencia debe investigar a mens que su cnfrntación sea frívla. Visite credit/espanl_lans.htm para una explicación de ls prcedimients de cnfrntación. Las agencias de infrme del cnsumidr deben crregir eliminar infrmación inexacta, incmpleta n verificable. La infrmación n exacta, incmpleta n verificable debe ser retirada crregida, generalmente dentr de 30 días. N bstante, una agencia de infrme del cnsumidr puede seguir reprtand infrmación si ha verificad su exactitud. Las agencias de infrme del cnsumidr n pueden reprtar infrmación negative atrasada. En la mayría de ls cass, una agencia de infrme del cnsumidr puede n reprtar infrmación negativa currida hace más de siete añs, ni quiebras curridas hace más de 10 añs.

9 El acces a su expediente es limitad. Una agencia de infrme del cnsumidr puede prprcinar infrmación sbre usted slamente a persnas que realmente la necesiten-generalmente para cnsiderar una slicitud cn un acreedr, aseguradr, empleadr, prpietari de vivienda u tr negci. La FCRA especifica quiénes sn las persnas que tienen una necesidad válida de acces. Debe trgar su cnsentimient para que se envíen sus infrmes a empleadres. Una agencia de infrme del cnsumidr n puede dar infrmación sbre usted a su empleadr, a un psible empleadr, sin su cnsentimient escrit previ trgad al empleadr. El cnsentimient escrit generalmente n es requerid en la industria de camines. Para más infrmación visite Puede limitar las fertas preevaluadas de crédit y segur que btiene basadas en infrmación en su infrme de crédit. Las fertas preevaluadas de crédit y segur deben incluir un númer de teléfn sin carg al que puede llamar si desea eliminar su nmbre y dirección de las listas en las que se basan estas fertas. Puede ptar pr n figurar en las listas de las agencias de crédit llamand al OPTOUT ( ). Puede btener cmpensación de ls acreedres. Si una agencia de infrme del cnsumidr, en alguns cass, un usuari de infrmes de cnsumidr prveedr de infrmación a una agencia de infrme del cnsumidr infringe la FCRA, usted puede presentar un pleit en un tribunal estatal federal. Las víctimas de rb de identidad y el persnal militar en activ tienen derechs adicinales. Para más infrmación, visite Ls estads tienen autridad para hacer cumplir la FCRA, y muchs estads tienen su prpia legislación de infrme del cnsumidr. En alguns cass, usted puede tener más derechs en virtud de la ley estatal. Cmuníquese cn su agencia de prtección estatal lcal del cnsumidr su Fiscal general estatal. Las agencias a nivel federal sn: TIPO DE NEGOCIO: Agencias de infrme del cnsumidr, acreedres y trs n mencinads abaj Bancs nacinales, sucursales/agencias federales de bancs extranjers (cn la palabra Natinal las iniciales N.A. en después del nmbre del banc) CONTACTAR: Federal Trade Cmmissin: Cnsumer Respnse Center - FCRA Washingtn, DC Office f the Cmptrller f the Currency Cmpliance Management, Mail Stp 6-6 Washingtn, DC Bancs que pertenecen al Sistema de la Reserva Federal (salv bancs nacinales, y sucursales/ agencias federales de bancs extranjers) Asciacines de ahrrs y cajas de ahrrs cn acreditación federal (cn la palabra Federal las iniciales F.S.B. en el nmbre de la institución federal) Bancs de crédit federales (cn las palabras Federal Credit Unin en el nmbre de la institución) Bancs acreditads a nivel estatal que n sn miembrs del Sistema de la Reserva Federal Transprtadres pr aire, superficie ferrcarril regulads pr la antigua Junta de Aernáutica Civil pr la Cmisión Interestatal de Cmerci Actividades sujetas a la Ley de Empacadres y Estibadres de 1921 Federal Reserve Bard Divisin f Cnsumer & Cmmunity Affairs Washingtn, DC Office f Thrift Supervisin Cnsumer Prgrams Washingtn, DC Natinal Credit Unin Administratin 1775 Duke Street Alexandria, VA Federal Depsit Insurance Crpratin Divisin f Cmpliance & Cnsumer Affairs Washingtn, DC FDIC Department f Transprtatin Office f Financial Management Washingtn, DC Department f Agriculture Office f Deputy Administratr - GIPSA Washingtn, DC

10 SAMPLE LETTER Ntificatin f Adverse Actin Dear : This letter is t ntify yu that we have decided nt t ffer yu emplyment at this time based in whle r in part upn infrmatin cntained in a cnsumer reprt prvided by the Pre-Check Cmpany. A cpy f the reprt has previusly been furnished t yu. Pre-Check is an independent cnsumer reprting agency that we use t cnduct pre-emplyment backgrund checks. Their full name, address, and telephne number is as fllws: The Pre-Check Cmpany FCRA Cmpliance P.O. Bx Lakewd, OH Telephne: (800) Please be advised that the Pre-Check Cmpany did nt make the adverse emplyment decisin referred t abve and is therefre unable t prvide yu with the specific reasns fr this adverse decisin. Thank yu fr yur interest in ur cmpany. Sincerely,

11 PROTECTION FROM DISCLOSURE Qualified Immunity fr Emplyers Effective July 3, 1996, emplyers in Ohi will be prtected when disclsing t a prspective emplyer jb perfrmance infrmatin abut a current r frmer emplyee. The new law, which cvers any persn emplying ne r mre individuals in this state, grants qualified immunity in a civil actin related t the disclsure f jb perfrmance infrmatin. The immunity frm liability is lst if an emplyer disclses infrmatin which the emplyer knws is false, r disclses infrmatin in bad faith r with malicius purpse. Under Sectin f the Ohi Revised Cde, an emplyer disclsing infrmatin abut the jb perfrmance f an emplyee r frmer emplyee is nt liable in damages in a civil actin t that emplyee, frmer emplyee, prspective emplyer, r any ther persn fr any harm sustained as a result f making the disclsure. Liability may be impsed nly if the claimant shws that the emplyer disclsed infrmatin with the knwledge that it was false, with deliberate intent t mislead the prspective emplyer r anther persn, in bad faith r with malicius purpse. The emplyer als may be liable if the disclsure cnstitutes an unlawful discriminatry practice under Ohi law. An excerpt frm the June 1996 Client Advisry by Benesch Friedlander Cplan & Arnff, Attrneys at Law Release frm Criminal Prsecutin Effective Octber 1, 1997, the Fair Credit Reprting Act states in Sectin 610 (e): Except as prvided in Sectins 616 and 617, n cnsumer may bring any actin r prceeding in the nature f defamatin, invasin f privacy, r negligence with respect t the reprting f infrmatin against any cnsumer reprting agency, any user f infrmatin, r any persn wh furnishes infrmatin t a cnsumer reprting agency, based n infrmatin disclsed pursuant t Sectin 609, 610, r 615, r based n infrmatin disclsed by a user f a cnsumer reprt t r fr a cnsumer against whm the user has taken adverse actin, based in whle r in part n the reprt except as t false infrmatin furnished with malice r willful intent t injure such cnsumer. Fair Credit Reprting Act Title VI Cnsumer Credit Reprting (15USC 1681) Effective date: Octber 1, 1997

12 AGE DISCRIMINATION U.S. EQUAL EMPLOYMENT OPPORTUNITY COMMISSION The Age Discriminatin in Emplyment Act f 1967 (ADEA) prtects individuals wh are 40 years f age r lder frm emplyment discriminatin based n age. The ADEA s prtectins apply t bth emplyees and jb applicants. Under the ADEA, it is unlawful t discriminate against a persn because f his/her age with respect t any term, cnditin, r privilege f emplyment including, but nt limited t, hiring, firing, prmtin, layff, cmpensatin, benefits, jb assignments, and training. It is als unlawful t retaliate against an individual fr ppsing emplyment practices that discriminate based n age r fr filing an age discriminatin charge, testifying, r participating in any way in an investigatin, prceeding, r litigatin under the ADEA. The ADEA applies t emplyers with 20 r mre emplyees, including state and lcal gvernments. It als applies t emplyment agencies and t labr rganizatins, as well as t the federal gvernment. APPRENTICESHIP PROGRAMS It is generally unlawful fr apprenticeship prgrams, including jint labr-management apprenticeship prgrams, t discriminate n the basis f an individual s age. Age limitatins in apprenticeship prgrams are valid nly if they fall within certain specific exceptins under the ADEA r if the EEOC grants a specific exemptin. JOB NOTICES AND ADVERTISEMENTS The ADEA makes it unlawful t include age preferences, limitatins, r specificatins in jb ntices r advertisements. As a narrw exceptin t that general rule, a jb ntice r advertisement may specify an age limit in the rare circumstances where age is shwn t be a bna fide ccupatinal qualificatin (BFOQ) reasnably necessary t the essence f the business. PRE-EMPLOYMENT INQUIRIES The ADEA des nt specifically prhibit an emplyer frm asking an applicant s age r date f birth. Hwever, because such inquires may deter lder wrkers frm applying fr emplyment r may therwise indicate pssible intent t discriminate based n age, requests fr age infrmatin will be clsely scrutinized t make sure that the inquiry was made fr a lawful purpse, rather than fr a purpse prhibited by the ADEA. BENEFITS The Older Wrkers Benefit Prtectin Act f 1990 (OWBPA) amended the ADEA t specifically prhibit emplyers frm denying benefits t lder emplyees. An emplyer may reduce benefits based n age nly if the cst f prviding the reduced benefits t lder wrkers is the same as the cst f prviding benefits t yunger wrkers. WAIVERS OF ADEA RIGHTS At an emplyer s request, an individual may agree t waive his/her rights r claims under the ADEA. Hwever, the ADEA, as amended by OWBPA, sets ut specific minimum standards that must be met in rder fr a waiver t be cnsidered knwing and vluntary and, therefre, valid. Amng ther requirements, a valid ADEA waiver: (1) must be in writing and be understandable; (2) must specifically refer t ADEA rights r claims; (3) may nt waive rights f claims that may arise in the future; (4) must be in exchange fr valuable cnsideratin; (5) must advise the individual in writing t cnsult an attrney befre signing the waiver; and (6) must prvide the individual at least 21 days t cnsider the agreement and at least 7 days t revke the agreement after signing it. In additin, if an emplyer requests an ADEA waiver in cnnectin with an exit incentive prgram r ther emplyment terminatin prgram, the minimum requirements fr a valid waiver are mre extensive.

13 FILING A CHARGE Age discriminatin charges may be filed at any U.W. Equal Emplyment Opprtunity Cmmissin (EEOC) field ffice. Field ffices are lcated in 50 cities thrughut the U.S. and are listed in mst telephne directries under U.S. Gvernment. Yu may als call tll free r (TDD) fr the apprpriate EEOC field ffice fr yur gegraphic area. Infrmatin n all EEOC-enfrced laws may be btained by calling tll free EEOC r (TDD). The time limitatin fr filing a charge with the EEOC is 180 days frm the date f the alleged discriminatin r 300 days in states with designated Fair Emplyment Practices Agencies. If yu have been discriminated against because f age, yu may be entitled t a remedy, including, but nt limited t, hiring, prmtin, reinstatement, back pay, liquidated damages (I.e., an amunt equal t any mnetary damages yu are awarded), and attrney s fees. This fact sheet is available in alternative frmats, upn request. U.S. Equal Emplyment Opprtunity Cmmissin Office f Cmmunicatins and Legislative Affairs 1801 L Street, NW Washingtn, DC June 1996