E-Sign Agreement / Consent to Apply for Employment Electronically

The purpose of this Agreement is to obtain your consent to complete, sign and submit the Employment Application electronically rather than in paper form. Before we can engage in this transaction electronically, it is important that you understand your rights and responsibilities.

YOUR CONSENT
Your consent to participate in this transaction electronically will apply to the Employment Application you are completing; conducting this transaction electronically is an option. Your consent may be provided by clicking the 'I agree' buttons shown at the bottom of the page. If you choose not to accept the terms of this Agreement, you can request a paper Employment Application be mailed to you. You will not be required to pay a fee. Your consent includes electronic notification to the email address provided of any follow up information or notices required to be provided; this includes an adverse action notice and your rights under FCRA. A paper version of any required notice or communication may be requested if your consent is withdrawn.

WITHDRAWAL OF CONSENT
You have the right to withdraw your consent at any time. By declining or revoking your consent to conduct this electronic transaction, we will provide you with a paper version of the Employment Application. If you originally consent to receive the Employment Application but later decide to withdraw your consent, you must notify us immediately by calling Human Resources at 575.746.8000.

SYSTEM REQUIRMENTS
In order to submit an electronic Employment Application, you must have a computer with Internet access and an email address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption. Access to a printer or the ability to download information is needed in order to keep a copy of your electronic Employment Application for your personal records.

HOW CAN WE REACH YOU
You must promptly notify us if there is a change in your email address or other personal information required to contact you. You can contact us by email or by calling Human Resources at 575.746.8000.

We will not assume liability for non-receipt of notification of the availability to submit electronic Employment Applications in the event your email address on file is invalid; your email or Internet service provider filters the notification as 'spam' or 'junk mail'; there is a malfunction in your computer, browser, Internet service and/or software or for other reasons beyond our control.

Please check each of the boxes below indicating your agreement to the terms listed above regarding your electronic employment application.

Email Human Resources

I agree to the submittal of my signature electronically
I agree to the submittal of this Employment Application electronically

Position(s) Applied For:*
Referred By:
Date of Application:*
How did you learn about us?	Advertisement Employment Agency Relative Friend Inquiry Other Other Method:
Name (First, Middle, Last):*
Address:*
City, State Zip:*	, Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Home Phone:*
Cell Phone:
Work Phone:
Social Security Number:*
Email:*
Best time to contact you is:*	AM  PM
If you are under 18 years of age, can you provide required proof of your eligibility to work?	Yes No
Have you ever filed an application with us before?	Yes No
If Yes, give date:
Have you ever been employed with us before?*	Yes No
If Yes, give date:
Do any of your friends or relatives, other than spouse, work here?*	Yes No
Name: Relationship:
Are you currently employed?	Yes No
May we contact your present employer?*	Yes No
Are you prevented from lawfully becoming employed in this country because of visa or immigration status? Proof of citizenship or immigration status will be required upon employment.	Yes No
Date available to work:*
What is your desired salary range?*	-
Are you available to work:*	Full-Time Part-Time Temporary
(Part-Time) Please indicate:	Mornings Afternoons
(Temporary) Please indicate dates available:	From - To
Are you currently on "lay-off" status and subject to recall?	Yes No
Can you travel if a job requires it?	Yes No
WE ARE AN EQUAL OPPORTUNITY EMPLOYER

EDUCATION

High School*

Name and Address of School:
Course of Study:
Number of Years Completed:
Diploma Degree:

Undergraduate College

Name and Address of School:
Course of Study:
Number of Years Completed:
Diploma Degree:

Graduate Professional

Name and Address of School:
Course of Study:
Number of Years Completed:
Diploma Degree:

Other (Specify)

Name and Address of School:
Course of Study:
Number of Years Completed:
Diploma Degree:

Describe any specialized training, apprenticeship skills, and extra-curricular activities:
Describe any job related training received in the United States Military:

EMPLOYMENT EXPERIENCE

Start with your present or last job. Include any job-related military service assignments and volunteer activities. You may exclude organizations which indicate race, color, religion, gender, national origin, disabilities, or other protected status.

Job 1

Employer:
Address:
Phone Number:
Job Title:
Supervisor:
Reason for Leaving:	Resigned with Notice Quit without Notice Terminated Counseled to Resign Position Eliminated Other Other Method:
Dates Employed
From:
To:
Hourly Rate/Salary
Starting:
Final:
Work Performed:

Job 2

Employer:
Address:
Phone Number:
Job Title:
Supervisor:
Reason for Leaving:	Resigned with Notice Quit without Notice Terminated Counseled to Resign Position Eliminated Other Other Method:
Dates Employed
From:
To:
Hourly Rate/Salary
Starting:
Final:
Work Performed:

Job 3

Employer:
Address:
Phone Number:
Job Title:
Supervisor:
Reason for Leaving:	Resigned with Notice Quit without Notice Terminated Counseled to Resign Position Eliminated Other Other Method:
Dates Employed
From:
To:
Hourly Rate/Salary
Starting:
Final:
Work Performed:

Job 4

Employer:
Address:
Phone Number:
Job Title:
Supervisor:
Reason for Leaving:	Resigned with Notice Quit without Notice Terminated Counseled to Resign Position Eliminated Other Other Method:
Dates Employed
From:
To:
Hourly Rate/Salary
Starting:
Final:
Work Performed:

ADDITIONAL EXPERIENCE

List of professional, trade, business, or civic activities and offices held. You may exclude membership which would reveal gender, race, religion, national origin, age, ancestry, disability, or other protected status.

ADDITIONAL INFORMATION

Other Qualifications. Summarize special job-related skills and qualifications acquired from employment or other experience.
Microsoft Office Suite: (please check all programs you are knowledgeable in)	Word Vizio Publisher Excel Access PowerPoint Outlook 10-Key   Internet Capabilities
Production/Mobile Machinery (list):
Other (list):

Note to applicants: DO NOT ANSWER THIS QUESTION UNLESS YOU HAVE BEEN INFORMED ABOUT THE REQUIREMENTS OF THE JOB FOR WHICH YOU ARE APPLYING.
Can you perform the essential functions of the job for which you are applying either with or without reasonable accomodation?	Yes No

PROFESSIONAL REFERENCES

Reference 1*

Name:
Address:
Phone:
Job Title:
Years Known:

Reference 2*

Name:
Address:
Phone:
Job Title:
Years Known:

Reference 3*

Name:
Address:
Phone:
Job Title:
Years Known:

APPLICANT'S STATEMENT

I certify that the information provided in this Employment Application are true and complete and authorize the investigation of all statements contained within as may be necessary in arriving at an employment decision. This application for employment shall be considered active for a period of time not to exceed 90 days. Any applicant wishing to be considered for employment beyond this time period should inquire as to whether Employment Applications are being accepted at that time. I hereby understand and acknowledge that, unless otherwise defined by applicable law, any employment relationship with this organization is of an "at will" nature, which means that the employee may resign at any time and the employer may discharge employee at any time with or without cause. It is further understood that this "at will" employment relationship may not be changed by any written document or by conduct unless such change is specifically acknowledged in writing by an authorized executive of this organization. In the event of employment, I understand that false or misleading information given in any application or interview(s) may result in discharge. Further, I understand that I am required to abide by all rules and regulations of the employer.
Signature of Applicant:*
Date:*

Consent to Procurement of Your Credit Report

The purpose of this agreement is to electronically aquire your consent to obtain a Credit Agency Report on your behalf in association with the Employment Application you are completing. With your consent, you will be able to sign and authorize the bank to order a Credit Agency Report for employment purposes electronically, rather than on paper. We may use the information obtained to make a decision related to your potential employment. If you are hired by First American Bank ("bank"), the bank may order additional credit reports on you for employment purposes.

Before engaging in this transaction electronically, it is important that you understand your rights & responsibilities. Please read the following & affirm your consent for the bank to obtain a Credit Agency Report on your behalf for employment purposes electronically. For purposes of this agreement, "you" and "your" refer to the applicant and "we", "our" and "us" refer to First American Bank.

Your Consent
Your consent to participate in this transaction electronically, instead of providing you with the paper form of the Credit Agency Report authorization, will authorize the bank to obtain a Credit Agency Report in association with the Employment Application you are completing; conducting this transaction electronically is an option. Your consent may be acknowledged by clicking the "I agree" button at the bottom of the page.

If you choose not to accept the terms of this agreement you must contact us immediately by email or by calling Human Resources at 575.746.8000 to request a paper version of the Credit Agency Report Authorization; you will not be required to pay a fee.

I agree to authorize FAB to obtain a Credit Agency Report on my behalf

Disclosure to Employment Applicant Regarding
Procurement of a Consumer Report

In association with your Employment Application we may procure a consumer report on you as part of the process of considering your candidacy as an employee. In the event that information from the report is utilized in whole or in part in making an adverse decision with regard to your potential employment, before making the adverse decision, we will provide you with a copy of the consumer report and a description in writing of your rights under the law. We may also obtain an investigative report including information related to your character, general reputation, personal characteristics and mode of living. This information may be obtained by contacting your previous employers or references supplied by you. You have the right to request that we make a complete and accurate disclosure of the nature and scope of the information requested; this must be done in writing. Such disclosure will be made to you within five days of the date on which the request was received or within five days of the time the report was first requested. The Fair Credit Reporting Act gives you specific rights in dealing with consumer reporting agencies. You will be given a summary of these rights together with this document. Your signature below hereby authorizes us to obtain a consumer report and/or an investigative report about you in order to consider you for employment.
Applicant's Name:*
Applicant's Address*:
City, State Zip:*	, Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Signature:*
Social Security Number:*

Consent to Procurement of your Background Report

The purpose of this agreement is to electronically aquire your consent to obtain a Consumer Report(Background Report/Check) on your behalf in association with the Employment Application you are completing. With your consent, you will be able to sign and authorize the bank to order a Background Report/Check for employment purposes electronically, rather than on paper. We may use the information obtained to make a decision related to your potential employment. If you are hired by First American Bank ("bank"), the bank may order additional background reports on you for employment purposes.

Before engaging in this transaction electronically, it is important that you understand your rights & responsibilities. Please read the following & affirm your consent for the bank to obtain a Background Report/Check on your behalf for employment purposes electronically. For purposes of this agreement, "you" and "your" refer to the applicant and "we", "our" and "us" refer to First American Bank.

Your Consent
Your consent to participate in this transaction electronically, instead of providing you with the paper form of the Background Report/Check authorization, will authorize the bank to obtain a Background Report/Check in association with the Employment Application you are completing; conducting this transaction electronically is an option. Your consent may be acknowledged by clicking the "I agree" button at the bottom of the page.

If you choose not to accept the terms of this agreement you must contact us immediately by email or by calling Human Resources at 575.746.8000 to request a paper version of the Background Report/Check Authorization; you will not be required to pay a fee.

I agree to authorize FAB to obtain a Background Report on my behalf

BACKGROUND CHECK DISCLOSURE AND AUTHORIZATION FORM

After carefully reading this Background Check Disclosure and Authorization form, I authorize the Company to order my background report, including investigative consumer reports, under my legal name, including any former names I may have used. I understand that the Company may rely on this authorization to order additional background reports, including investigative consumer reports, during my employment without asking me for my authorization again as allowed by law. I also authorize the following agencies and entities to disclose to ADP Screening and Selection Services and its agents all information about or concerning me, including but not limited to: my past or present employers; learning institutions, including colleges and universities; law enforcement and all other federal, state and local agencies; federal, state and local courts; the military; credit bureaus; testing facilities; motor vehicle records agencies; if applicable, worker's compensation injuries; all other private and public sector repositories of information; and any other person, organization, or agency with any information about or concerning me. Workers' compensation information will only be requested in compliance with federal Americans with Disabilities Act and/or any other applicable federal, state or local laws and only after a conditional job offer is made. The information that can be disclosed to ADP Screening and Selection Services and its agents includes, but is not limited to, information concerning my employment history, earnings history, education, credit history, motor vehicle history, criminal history, military service, professional credentials and licenses and substance abuse testing. I agree the Company may rely on this authorization to order background reports, including investigative consumer reports, from companies other than ADP Screening and Selection Services without asking me for my authorization again as allowed by law. I also agree that a copy of this form is valid like the signed original. I certify that all of the personal information I provided is true and correct.
Name (First Middle Last):*
Signature:*
Date:*

AUTHORIZATION FOR BACKGROUND CHECK

The information requested below is collected solely for the purpose of aiding the Company in conducting a background check in association with your Employment Application. Please provide this information to assist the bank in conducting a thorough background check.
Name (First Middle Last):*
Date of Birth:*
Social Security Number:*
Driver's License Number:*
State Issuing License:*	Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Enter any other names used.
Name (First Middle Last):
Name (First Middle Last):
Name (First Middle Last):
Addresses Within The Past Seven Years
Add Another Address Add	Remove An Address Remove
Address 1:
City, State Zip:	, Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Dates:	From - To
Address 2:
City, State Zip:	, Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Dates:	From - To
Address 3:
City, State Zip:	, Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Dates:	From - To
Address 4:
City, State Zip:	, Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Dates:	From - To

TO: ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT
RE: EQUAL EMPLOYMENT OPPORTUNITY AND AFFIRMATIVE ACTION

First American Bank is a government contractor and subject to Section 503 of the Rehabilitation Act of 1972 and 38 USC 2012 of the Vietnam Era Readjustment Assistance Act of 1974 which requires government contractors to take affirmative action to employ and advance in employment qualified handicapped individuals and disabled veterans of the Vietnam Era. If you are a handicapped individual, a disabled veteran, or a veteran of the Vietnam Era who is covered by the aforementioned acts and would like to be considered under the Bank's Affirmative Action Programs, please contact Human Resources. The information is voluntary and refusal to provide it will not subject you to discharge or disciplinary action. Information provided concerning individuals shall be kept confidential except that: Departmental Managers may be informed of restrictions on the work or duties a handicapped individual or a disabled veteran can perform. Also, the need to make accommodations in the workplace Outside Medical Personnel may be informed if an individual's condition might require emergency treatment and Where Requested Officials charged with enforcing related statues will be given full access to Medical and Personnel Records as part of their investigation. Any questions or comments to this memorandum should be directed to Human Resources.

Application Invitation to Self-Identify

Name:
Position Applying For:
Date
First American Bank (FAB) is a Federal contractor and an Equal Opportunity Employer. FAB is subject to Executive Order 11246, which requires government contractors to take affirmative action to ensure that equal opportunity is provided in all aspects of their employment. In addition, we are subject to Vietnam Era Veterans' Readjustment Assistance Act of 1974, as amended by the Jobs for Veterans Act of 2002, 38 U.S.C. 4212 (VEVRAA), which requires Government contractors to take affirmative action to employ and advance in employment protected veterans. In order to comply with these laws, FAB invites applicants to voluntarily self-identify their gender, race/ethnicity and protected veteran status. FAB does not discriminate on the basis of race, religion, color, sex, age, protected veteran status, non-disqualifying physical or mental disability, national origin, genetic information, or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need. Submission of this information is voluntary and refusal to provide it will not subject you to any adverse treatment. The information obtained will be kept confidential and may only be used in accordance with the provisions of applicable laws, executive orders, and regulations, including those that require the information to be summarized and reported to the federal government for civil rights enforcement. When reported, data will not identify any specific individual.
Check one of the following:	Male Female I choose not to self-identify
Check one of the following race/ethnic groups defined on the following page:	Hispanic or Latino White (Not Hispanic or Latino) Black or African American (Not Hispanic or Latino) Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) Asian (Not Hispanic or Latino) American Indian or Alaska Native (Not Hispanic or Latino) Two or More Races (Not Hispanic or Latino) I choose not to self-identify
Check one of the following:	I identify as one or more of the classifications of protected veterans as defined on the following page. I am not a protected veteran. I choose not to self-identify
Ethnicity and Race Definitions Hispanic or Latino - A person of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin regardless of race. White (Not Hispanic or Latino) - A person having origins in any of the original peoples of Europe, the Middle East, or North Africa. Black or African American (Not Hispanic or Latino) - A person having origins in any of the black racial groups of Africa. Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) - A person having origins in any of the peoples of Hawaii, Guam, Samoa, or other Pacific Islands. Asian (Not Hispanic or Latino) - A person having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian Subcontinent, including, for example, Cambodia, China, India, Japan, Korea, Malaysia, Pakistan, the Philippine Islands, Thailand, and Vietnam. American Indian or Alaska Native (Not Hispanic or Latino) - A person having origins in any of the original peoples of North and South America (including Central America), and who maintain tribal affiliation or community attachment. Two or More Races (Not Hispanic or Latino) - A person who identifies with more than one of the above five races. Protected Veteran Definitions Disabled Veteran - one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. Recently Separated Veteran - any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. Active Duty Wartime or Campaign Badge Veteran - a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. Armed Forces Service Medal Veteran - a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Voluntary Self-Identification of Disability
Form CC-305		OMB Control Number 1250-0005
Page 1 of 1		Expires 05/31/2023
Name:
Date:
Employee ID (if applicable):
Why are you being asked to complete this form?
We are a federal contractor or subcontractor required by law to provide equal employment opportunity to qualified people with disabilities. We are also required to measure our progress toward having at least 7% of our workforce be individuals with disabilities. To do this, we must ask applicants and employees if they have a disability or have ever had a disability. Because a person may become disabled at any time, we ask all of our employees to update their information at least every five years. Identifying yourself as an individual with a disability is voluntary, and we hope that you will choose to do so. Your answer will be maintained confidentially and not be seen by selecting officials or anyone else involved in making personnel decisions. Completing the form will not negatively impact you in any way, regardless of whether you have self-identified in the past. For more information about this form or the equal employment obligations of federal contractors under Section 503 of the Rehabilitation Act, visit the U.S. Department of Labor¡¦s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.
How do you know if you have a disability?
You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition. Disabilities include, but are not limited to:
Autism Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, or HIV/AIDS Blind or low vision Cancer Cardiovascular or heart disease Celiac disease Cerebral palsy	Deaf or hard of hearing Depression or anxiety Diabetes Epilepsy Gastrointestinal disorders, for example, Crohn's Disease, or irritable bowel syndrome Intellectual disability	Missing limbs or partially missing limbs Nervous system condition for example, migraine headaches, Parkinson¡¦s disease, or Multiple sclerosis (MS) Psychiatric condition, for example, bipolar disorder, schizophrenia, PTSD, or major depression
Please check one of the boxes below:
Yes, I Have A Disability, Or Have A History/Record Of Having A Disability
No, I Don¡¦t Have A Disability, Or A History/Record Of Having A Disability
I Don¡¦t Wish To Answer
PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.

For Employer Use Only
Employers may modify this section of the form as needed for recordkeeping purposes.
For example:
Job Title:	Date of Hire:

Summary of Your Rights

Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe al Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

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 FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

• 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 ¡V or to take another adverse action against you ¡V 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 www.consumerfinance.gov/learnmore 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.consumerfinance.gov/learnmore 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 ¡V 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.consumerfinance.gov/learnmore.
• 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 1-888-5-OPTOUT (1-888-567-8688).
• The following FCRA right applies with respect to nationwide consumer reporting agencies:
  

  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 age ncy from releasing information in your credit report without your express authorization.The security freeze is designed to prevent credit, loa ns, 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 subse quent 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 fil e 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 cr edit 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, y ou 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 enha ncements.
• 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 www.consumerfinance.gov/learnmore.

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local protection agency or your state Attorney General. For information about your federal rights, contact:

TYPE OF BUSINESS:	CONTACT:
Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB:	Consumer Financial Protection Bureau 1700 G Street, N.W. Washington, DC 20552 Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
To the extent not included in item 1 above: National banks, federal savings associations, and federal branches and federal agencies of foreign banks 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. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations Federal Credit Unions	Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050 Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480 FDIC Consumer Response Center 1100 Walnut Street, Box # 11 Kansas City, MO 64106 National Credit Union Administration Office of Consumer FInancial Protection (OCFP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314
Air carriers	Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590
Creditors Subject to the Surface Transportation Board	Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423
Creditors Subject to the Packers and Stockyards Act, 1921	Nearest Packers and Stockyards Administration Area Supervisor
Small Business Investment Companies	Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, SW, 8th Floor Washington, DC 20416
Brokers and Dealers	Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549
Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations	Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090
Retailers, Finance Companies, and All Other Creditors Not Listed Above	Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357