TransUnion Service Agreement

Introduction

Thank you for requesting to receive your credit file disclosure ("Personal Credit Report") from TransUnion LLC through AnnualCreditReport.com. For us to fulfill your request on-line you must accept these terms and conditions. By clicking "Accept" below you have agreed to be bound by them. If you do not accept these terms and conditions, TransUnion shall process your request in the same manner it does when it receives requests through the United States mail. Processing requests through the mail may require additional information from you (such as proof of residence) and may take up to 15 days to complete after we have confirmed your identity.

YOU ARE NOT REQUIRED TO PURCHASE ANY PRODUCT OR SERVICE, OR TO AGREE TO RECEIVE ANY INFORMATION OR MARKETING MATERIALS, TO ORDER YOUR PERSONAL CREDIT REPORT. If you do elect to purchase a product or service, including a credit score with your Personal Credit Report, or to receive information or marketing materials, that product, service, information or marketing materials is offered by, and will be provided by, TrueCredit, Inc. TrueCredit is an affiliate of TransUnion. A separate agreement with respect to any such offer or purchase shall be required to be accepted by you and will be provided to you at the time of such offer or purchase.

General

The account you create as part of our authentication process for your Personal Credit Report will be with TrueCredit. We ask you to create this account so you will be able to return to TrueCredit's web site to review your Personal Credit Report for 30 days from the date we provide that report on-line to you. This will allow you to print your report at a later date and to spend the time you feel is necessary to review your report when it is convenient for you. We request an e-mail address from you as an additional tool to protect against fraud and to advise you how to access your account through the True Credit web site. We will not use your e-mail address you provide during this process to enhance or supplement any database we maintain, including your Personal Credit Report, that we provide to parties not affiliated with TransUnion.

You can only order your own Personal Credit Report. It is illegal for you to intentionally obtain information on an individual other than yourself. If you do so, you may have violated the United States Fair Credit Reporting Act (15 U.S.C. Section 1681q) and you may be fined, imprisoned for not more than 2 years, or both. By submitting your request to TransUnion for a Personal Credit Report you certify that you are the person whose Personal Credit Report is being requested and that all personal information you have provided is true and correct.

We want to protect the privacy of the personal information that you provide. To do so, the on-line ordering of your Personal Credit Report or other products and services will require the use of a secure browser such as Netscape Navigator 6.0 or higher or Microsoft Internet Explorer 5.0 or higher. Your Internet browser must support SSL (Secure Sockets Layer) with 128-bit encryption. This program encrypts the data you provide before transmission, and then we decrypt the data upon receipt.

TransUnion will display your Personal Credit Report on-line if possible; however, for fraud protection, security and identity verification reasons, you may need to write to us rather than ordering on-line. The decision to display your Personal Credit Report on-line shall be made solely by TransUnion based on the information you provide, including your answers to specific questions that will be asked about your credit history.

If our records indicate that you do not qualify for a free Personal Credit Report through AnnualCreditReport.com, you still may be entitled to a free Personal Credit Report for other reasons, including specific state laws. To determine if you may be eligible for a free Personal Credit Report based on those other laws, please review the information provided under Frequently Asked Questions at AnnualCreditReport.com ("Am I entitled to a free credit report under state laws?") or please refer to http://annualcreditreport.transunion.com/tu/disclosure/disclosure.jsp?loc=10000.

Disputing Inaccurate Information

The United States Fair Credit Reporting Act provides that you may dispute inaccurate or incomplete information in your Personal Credit Report. YOU ARE NOT REQUIRED TO PURCHASE ANY PRODUCT OR SERVICE FROM TRANSUNION OR TRUECREDIT IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR PERSONAL CREDIT REPORT OR TO RECEIVE A COPY OF YOUR CREDIT FILE DISCLOSURE FROM EQUIFAX, EXPERIAN OR TRANSUNION, THE THREE NATIONWIDE CREDIT REPORTING COMPANIES, OR FROM ANY OTHER CREDIT REPORTING AGENCY.

Term and Termination; Modification

This Agreement will take effect at the time you click "Accept" below, and shall terminate on the date your Personal Credit Report is no longer available on the TrueCredit web site (which shall be no less than 30 days from the date that report is provided to you on-line).

We may (i) change the terms of this Agreement, or (ii) change any of the TrueCredit web sites, including eliminating or discontinuing any content or feature, restricting the hours of availability, or limiting the amount of use permitted, by posting notice of such modification on such site before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use any TrueCredit web site after TrueCredit has notified you of a change in the Agreement, you agree to be bound by all of the changes. You are expected to review the TrueCredit web sites periodically to ensure familiarity with any posted notices of modification.

Notices

You should send any notices or other communications regarding your Personal Credit Report to the address set forth on that report. If you have any questions about this Agreement or any TrueCredit web site, they should be sent to TrueCredit, Inc., Attention: General Counsel, 100 Cross Street, Suite 202, San Luis Obispo, CA 93401.

Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address. If you wish to update your registration information, please log in to the TrueCredit web site (www.truecredit.com) and visit the 'Your Account' section from the main menu. Use your userid and password you have created for this purpose (please make sure you write them down and keep them in a safe place).

Applicable Law

The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Illinois, USA, and applicable federal law, without regard to any conflict of law provisions. We can only provide credit reports or credit file disclosures for individuals who have established credit in the United States. Those who choose to access AnnualCreditReport.com, any TransUnion web site, or any TrueCredit web site from outside the United States do so on their own initiative and are responsible for compliance with local laws.

Miscellaneous

This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are null and void.

If a court of competent jurisdiction deems any portion of this Agreement invalid or unenforceable, the remaining portions will remain valid, enforceable, and carried into effect, to the fullest extent permissible. Any rights not expressly granted herein are reserved.