VERMONT CONSUMER CONSENT CERTIFICATION

Soft Pull Solutions LLC
Compliance with Vermont Fair Credit Reporting Statutes and Regulations

This Vermont Consumer Consent Certification (“Certification”) is made part of and incorporated into the applicable agreement between Soft Pull Solutions LLC (“Company”) and the undersigned client (“Client”) and applies specifically to Client’s access to and use of consumer reports for individuals residing in the state of Vermont.

1. Compliance with Vermont Fair Credit Reporting Requirements

Client acknowledges and agrees to comply with all applicable provisions of the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480a and § 2480e, as amended from time to time, as well as any applicable rules issued under these statutes.

Client further acknowledges that it has reviewed and understands the Vermont rule titled CVR 06-031-012, Rule CF 112.03 – Consumer Consent, and will adhere to its requirements in connection with all consumer credit report inquiries involving Vermont residents.

2. Written Consent Requirements

Client certifies that it will only request consumer reports concerning Vermont residents after having first obtained prior consent from the consumer in either:

• Written form, if the consumer has applied in writing for credit, insurance, employment, housing, or a government benefit; or

• In the same form as the consumer’s application, if the application was made through non-written means (e.g., orally, electronically), provided such form of consent is permitted under applicable law.

Client understands that such consent must be obtained after a clear and adequate disclosure regarding:

• The circumstances under which a credit report will be obtained, and

• The purposes for which the report will be used.

Consent shall be considered “written” where the consumer provides a signature on a form containing the required disclosures.

3. Certification of Use

Client certifies that it will:

• Order or use credit reports on Vermont consumers only after obtaining such prior consumer consent;

• Retain appropriate records evidencing such consent;

• Limit its use of credit reports and information services strictly to permissible purposes under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., and all applicable state laws.