Employment Insightsm from Experian Helps You Make Informed Hiring Decisions by Providing Objective and Factual Credit Information Quickly and Cost-Effectively

SM An effective Employment Insight employment screening tool

Every time you hire a new employee, you put a lot on the line. The wrong decision could jeopardize your firm’s assets, reputation or security. Employment InsightSM from Experian helps you make informed hiring decisions by providing objective and factual credit information quickly and cost-effectively.

An objective picture of each applicant Credit information provides insight Employment Insight enhances into an applicant’s: traditional employment decision- • Responsibility toward his or making tools, such as job applications, her obligations interviews, testing and reference checks, by: • Integrity and ability to fulfill his or her financial obligations • Quickly verifying information you receive from applicants and other sources High quality and cost-effective Experian’s nationwide database • Expanding on information received contains files on more than 220 million from other sources credit-active consumers, providing • Revealing conflicting information the most current, comprehensive and that may need further review accurate credit information available or clarification in the industry. • Providing credit information that With our low per-report cost, you can would not normally appear on include Employment Insight as an an application but may impact additional guidance tool for every job performance applicant. Employment Insight reports also are an inexpensive first step in determining what other methods of employment verification and background checking are required. Sample report See the Employment Insight report example displayed below. Demographics band and Profile Summary from Experian are optional add-on services that are included on the sample report.

Employment Insight

______Inquiry Information ______

TCA1 RTS 3122250*** CONSUMER, JONATHAN QUINCY 999999990; CA-10655 NORTH BIRCH STREET/BURBANK CA 91502

PAGE 1 DATE 3-28-2006 TIME 11:19:56 V001 TCA1

JONATHAN QUINCY CONSUMER SS: 999-99-9990 Employment E: AJAX InsightHARDWARE 10655 N BIRCH ST 234-56-7891* 2035 BROADWAY SUITE 300 BURBANK CA 91502-1234 123-45-6789* LOS ANGELES CA 90019 RPTD: 4-01 TO 1-04 U 3X ------RPTD: 6-04 I PROFILE SUMMARY------LAST SUB: 2390446 CNT 05/03/05/23 PUBLIC RECORDS------3 PAST DUE AMT----$3,644 INQUIRIES---3 SATIS ACCTS---6 *1314 SOPHIA LN APT 3 INSTALLE: BAL----$27,750 BELL AUTOMOTIVE SCH/EST PAY-----$1,327 INQS/6 MO---3 NOW DEL/DRG---2 SANTA ANA CA 92708-5678 R ESTATE111 BAL--$263,551 MAIN STREET R ESTATE PAY----$1,887 TRADELINE--10 WAS DEL/DRG---2 RPTD: 1-99 U 1X REVOLVNGBURBANK BAL----$2,123 CA 91503 REVOLVNG AVAIL-----77% PAID ACCT---1 OLD TRADE-12-89 LAST SUB: 1199999 RPTD: 5-97 TO 11-02 I ------PUBLIC RECORDS------*2600 BOWSER ST #312 *SO CALIF DISTRICT COURT 6-21-03 7-01-04 3011111 $12,450 CO LIEN REL LOS ANGELES CA 90017-9876 C#: 45078321 1 BP: B476P2109 RPTD: 9-97 I *COUNTY SPR CT SANTA ANA 9-19-03 3019999 $1,200 CIV CL JUDG *JACK CONSUMER, JOHN SMITH, JONATHAN SMITH JONES JR D#: 7505853 1 PLAINTIFF: ALLIED COMPANY BP: B1234P50987 ------DEMOGRAPHICS------*U S BANKRUPTCY COURT 6-12-00 1-11-01 3009999 $129,803-L BK 7-PETIT PH: 818.555.1111 UR PH: 706.432.9876 IB D#: 35054539906234561 PH: 213.876.1234 UB 2 $85,500-A VOLUN GEO: 35 123 456789 0 1234 ------TRADES------FRAUD SHIELD SUMMARYSUBSCRIBER ------OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS SUB# KOB TYP TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY INPUT SSN RECORDED AS DECEASED INQ: PHONEACCOUNT ANSWERING # SERVICE: LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH DOB: 1-10-1951 DOD: 3-30-2004 ABC ANSWER-ALL INPUT SSN ISSUED 1965-1966 10655 PAGE N BIRCH2 DATE ST 3-28-2006 TIME 11:19:56 V001 TCA1 TELEPHONE NUMBER INCONSISTENT W/ADDRESS BURBANK CA 91502 FROM 12-01-05 INQ COUNT FOR SSN=5 818.555.1212*CREDIT AND COLLECTION 10-03 $1,590-O FROM 12-01-05 INQ COUNT FOR ADDRESS=15 COLLACCT FILE: COMMERCIAL 3980999 YC BUSINESS COL 1 ADDRESS: 1 2-25-06 $1,590 11-03 (28) GGGG-GGGGG-GG $1,590 11-03/G GGGGGGGG-G-- J&J ORIGINAL INVESTMENTS CREDITOR: MEDICAL PAYMENT DATA 2600 ACCOUNT BOWSER INFORMATION STREET #312 DISPUTED BY CONSUMER** LOS **DEBT ANGELES BEING CA PAID 90017 THROUGH INSURANCE** 213.111.2222 *ISLAND SAVINGS 3-03 $500-L $775-H PAID CUR WAS 30 1211248 BC CRC REV 2 4-20-05 4-05 (26) BCCCCCCCCCCCC 4-05 CCC1CCCCCCCC **ACCOUNT CLOSED AT CONSUMER’S REQUEST** CONFIDENTIAL HEMLOCKS 2-05 $2,000-L OPEN CURR ACCT 2313849 DV ISC 024-D 3 6-10-06 $2,000 2-05 (17) NNNNNNNNNNNNN NNNN DEFERRED PAYMENT START DATE: 03/01/2007

*CENTRAL BANK 9-05 $21,424-O OPEN DELINQ 30

CONFIDENTIAL Copy of report for an individual Reports are available within seconds Employment Insight and the law If an individual requests a copy of the through a personal computer or The Fair Credit Reporting Act, as report, Experian® will provide it free of access terminal, eliminating the need amended by the Consumer Credit charge, regardless of whether or not a to wait the days or weeks that other Reporting Reform Act of 1996, allows job offer was made. To obtain the copy, background reports often take. users access to a consumer’s credit simply input the keyword “COPY” at report for employment purposes. The • Personal computer access — the end of the inquiry. Upon receipt of Employment Insight reports are law imposes several conditions on the inquiry, Experian will mail a copy available through various inexpensive users who pull consumer reports for of the applicant’s report, in a consumer- software packages. Your Experian employment purposes (Experian’s friendly format, to the name and sales representative can provide you Employment Insight report). address provided on the inquiry. with software recommendations. The law requires that users certify • Internet access via eSolutions — to Experian that: How to order Employment Reports also are available via Insight reports • Prior to pulling a consumer report, eSolutions, Experian’s Internet Authorized Experian subscribers they provide a separate, written access application. Your Experian can access Experian’s database for document to the consumer disclosing sales representative can provide employment purposes by using an that a consumer report may be more information on how to add inquiry type of “H” or “HX” (see the obtained for employment purposes Employment Insight to your Internet data entry example below). If you are and obtain written authorization profile or how to sign up for an authorized subscriber who has not from the consumer to pull his or her Internet access. been certified, call your local Experian consumer report sales representative for certification • Prior to taking adverse action, based The right tool for the right decisions information. If you are not already an in whole or in part on the consumer Your success in selecting quality authorized subscriber, call Experian at report, the user will provide to the employees depends on choosing 1 888 414 1120 for more information consumer a copy of the consumer the right tools to help you in your about the Employment Insight report and a summary of the employment decision process. report and new membership sign-up consumer’s rights as prescribed procedures. by the Federal Trade Commission (“Consumer Rights”) Data entry example • The user will not use a consumer To generate an Employment Insight report, enter the following information using report in violation of any applicable an inquiry type of “H” or “HX.” To request that a copy be sent to the applicant, federal or state equal employment enter the keyword “COPY.” opportunity law or regulation

Note: For authorization to pull an Employment Insight report, contact your The Fair Credit Reporting Act has Experian sales representative. specific requirements for users taking adverse actions based on information contained in consumer TCA1 reports. One of these duties includes RTH 3122250X1J CONSUMER, JONATHAN QUINCY 999999990; providing Experian’s name, address CA-10655 NORTH BIRCH STREET/BURBANK CA 91502,COPY and telephone number to consumers. Your Experian sales representative can provide you with a copy of the complete Permissible purpose reminder: To ensure compliance with the Fair Credit Reporting Act, requirements as prescribed by the Fair reasonable care should be taken to input accurate identification belonging to the consumer Credit Reporting Act. when requesting services. Experian 475 Anton Blvd. Costa Mesa, CA 92626 T: 1 888 414 1120 www.experian.com

Experian strongly recommends State laws affecting • Public record information on that employment not be denied Employment Insight bankruptcies, liens and judgments solely on the basis of Employment California against the applicant Insight reports. Some states require California Civil Code prescribes • Credit history providing an objective additional notifications to consumers. additional responsibilities for overview of how financial obligations (See state laws affecting Employment subscribers who procure an are handled over a period of time Insight in the next section.) Employment Insight report on a consumer with a current address in • Demographics band (including geo The law also requires Experian to California. California law requires that code and phone number), Profile provide Consumer Rights to users of in addition to the written disclosure Summary (including payment SM consumer reports for employment required by the Fair Credit Reporting patterns), Fraud Shield and Direct SM purposes. An initial supply of Act, the user also must offer the Check are optional add-on services Consumer Rights documents will be consumer a copy of the report free available from Experian with provided to you by your Experian sales of charge. Employment Insight representative. Thereafter, a supply will be mailed to you periodically. Experian Minnesota To find out more about Employment requires users to attach the Consumer Minnesota’s law affects subscribers Insight, contact your local Rights to each Employment Insight who procure an Employment Insight Experian sales representative or report that is received. report on a consumer with a current call 1 888 414 1120. address in Minnesota. In addition to the The information provided herein is As part of the Employment Insight written disclosure required by the Fair intended as a guide only and does service, Experian notifies consumers Credit Reporting Act, the user also must not constitute legal advice. Clients that their files were accessed offer the consumer a copy of the report are advised to consult legal counsel whenever the files contain derogatory free of charge. public record information, such as regarding their obligations under FCRA bankruptcies, liens and judgments. Employment Insight includes: or any related state law.

Employment Insight suppresses year of • Consumer identification, including birth and spousal references to prevent Social Security number users from inadvertently violating equal • Address information, including employment opportunity laws. It is also length of time at current and Experian’s policy to suppress account previous addresses number information that is irrelevant • Employment information that to hiring decisions. Additionally, provides insight regarding an Employment Insight inquiries display applicant’s previous work history only on consumer reports provided to the consumer. • Other names used, such as maiden names and aliases

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Other product and company names mentioned herein are the property of their respective owners.

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