05/08/2022

Dear Cindy,

Thank you for requesting your Employment Data Report. Your Employment Data Report includes all
employment data sent to The Work Number by your employer(s). An important document titled "A Summary
of Your Rights Under the Fair Credit Reporting Act" is also enclosed. Great care has been taken to report this
information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed
material carefully.

Verifiers who have procured your data in the past 2 4 months -

Organization Name: Capital One ( VOI Batch)
Date of Request: 12/16/2021

Organization Name: Credit One Bank

Date of Request: 12/06/2021

Organization Name: Credit One Bank

Date of Request: 12/02/2021

Organization Name: Credit One Bank

Date of Request: 11/30/2021

Organization Name: American Express

Date of Request: 11/24/2021

Organization Name: American Express

Date of Request: 11/15/2021

Organization Name: American Express

Date of Request: 10/13/2021

Organization Name: Huntington Hospital

Date of Request: 08/03/2021
Report accessed for employment purposes.

Organization Name: Capital One (VOI Batch)

Date of Request: 06/22/2021

Organization Name: American Express

Date of Request: 12/11/2020

Organization Name: American Express

Date of Request: 12/07/2020

Organization Name: Credit Karma

Date of Request: 08/19/2020

Organization Name: Credit Karma

Date of Request: 07/17/2020

Organization Name: Credit Karma

Date of Request: 06/22/2020

Page 1 of 9
9867810092
Organization Name: Credit Karma
Date of Request: 05/26/2020
The information provided in this document is an unofficial report, intended for personal use by the employee-
recipient only. It is not intended for verification purposes. Using this document for consumer verification
purposes could constitute a violation of the Fair Credit Reporting Act and result in a monetary fine.
If someone is asking you to provide verification of employment or income, please direct them to www.
theworknumber. com.
If you need further assistance or wish to dispute any information in your Employment Data Report, please
contact our Client Service Center at 866-222-5880 Monday through Friday 8am-7pm CST. Please reference
case number 986781009286. If you wish, you may also contact your employer(s) at the address indicated in
each employment record below.
Sincerely,
The Work Number Service Team

Attachment
MM, MS

Page 2 of 9
9867810092
EMPLOYEE NAME Cindy Zialcita
SSN XXXXX6551
DATE 05/08/2022

Employer Name Employer Code Employer Address

VXI GLOBAL SOLUTION, LLC - Historical Data Only 1 6 2 1 5 220 West First StreetSuite 300
Los Angeles , CA 90012

Information Current as of Employee Name

12/30/2016 CINDY VALERIANO ZIALCITA 7J3

Rate of
Inactive 06/02/2014 1 years , 11 months ASSOCIATE $11.00 Hourly

Date of Termination Original Hire Date Union Affiliation Work Location( Job site)
05/16/2016 06/02/2014 ,

Year Base Pay Overtime Commission Bonuses Other Income Total Pay
2016 $7,883. 15
2015 $20,746.25
2014 $10,111.94

Next Projected La
Date of Pay Increase
Amount of Pay Increase $0.0 0 $0.00

FEIN Employee Phone Number Date of

463394205 4433 EAGLE ROCK BLVD.#406 3239238456 11/18/1985

LOS ANGELES 90041

INCOME AND DEDUCTIONS

0.0 Bi-weekly

PAY PERIOD DETAIL 07/24/2016

Income Withholding
Total Gross Earnings $13.42

HISTORICAL PAY PERIOD SUMMARY

Page 3 of 9
9867810092
 Pay Period Begin Pay Period End Pay Date Hours Worked Gross Earnings Net
Date Date
07/11/2016 07/24/2016 07/29/2016 0.0 $13.42 $0.00
06/13/2016 06/26/2016 07/01/2016 0.0 $94.87 $0.00
05/30/2016 06/12/2016 06/17/2016 0.0 $74.79 $0.00
05/16/2016 05/29/2016 06/03/2016 0.0 $49.95 $0.00
05/02/2016 05/15/2016 05/20/2016 80.81 $972.80 $838.34
04/18/2016 05/01/2016 05/06/2016 56.32 $715.42 $525.38
04/04/2016 04/17/2016 04/22/2016 54.38 $643.40 $543.17
03/21/2016 04/03/2016 04/08/2016 52.92 $686.39 $495.47
03/07/2016 03/20/2016 03/25/2016 35.1 $474.30 $401.78
02/22/2016 03/06/2016 03/11/2016 73.29 $914.28 $700.06
02/08/2016 02/21/2016 02/26/2016 57.27 $672.14 $572.50
01/25/2016 02/07/2016 02/12/2016 62.85 $770.00 $592.55
01/11/2016 01/24/2016 01/29/2016 65.15 $991.60 $631.87
12/28/2015 01/10/2016 01/15/2016 63.83 $809.79 $642.89
12/14/2015 12/27/2015 12/31/2015 66.42 $987.40 $647.12
11/30/2015 12/13/2015 12/18/2015 77.87 $975.83 $788.91
11/16/2015 11/29/2015 12/04/2015 80.14 $1,112. 18 $869.42
11/02/2015 11/15/2015 11/20/2015 70.16 $829.80 $701.46
10/19/2015 11/01/2015 11/06/2015 61.27 $787.55 $579.12
10/05/2015 10/18/2015 10/23/2015 71.23 $807.01 $714.52
09/21/2015 10/04/2015 10/09/2015 67.13 $866.79 $725.81
09/07/2015 09/20/2015 09/25/2015 61.02 $763.99 $645.98
08/24/2015 09/06/2015 09/11/2015 69.12 $792.62 $674.48
08/10/2015 08/23/2015 08/28/2015 57.78 $690.91 $584.71
07/27/2015 08/09/2015 08/14/2015 65.56 $750.85 $634.57
07/13/2015 07/26/2015 07/31/2015 62.65 $715.89 $632.94
06/29/2015 07/12/2015 07/17/2015 63.02 $697.42 $633.58
06/15/2015 06/28/2015 07/02/2015 72.93 $803.17 $701.54
06/01/2015 06/14/2015 06/19/2015 54.92 $653.75 $549.65
05/18/2015 05/31/2015 06/05/2015 68.85 $809.22 $698.36
05/04/2015 05/17/2015 05/22/2015 68.78 $806.23 $687.77
04/20/2015 05/03/2015 05/08/2015 73.29 $823.53 $707.98
04/06/2015 04/19/2015 04/24/2015 62.04 $701.68 $622.56
03/23/2015 04/05/2015 04/10/2015 68.63 $762.76 $656.74
03/09/2015 03/22/2015 03/27/2015 60.04 $663.05 $603.75
02/23/2015 03/08/2015 03/13/2015 55.97 $635.67 $528.35
02/09/2015 02/22/2015 02/27/2015 67.72 $756.01 $685.29
01/26/2015 02/08/2015 02/13/2015 56.12 $629.50 $563.49
01/12/2015 01/25/2015 01/30/2015 64.68 $719.31 $649.99
12/29/2014 01/11/2015 01/16/2015 45.65 $552.27 $487.05
12/15/2014 12/28/2014 01/02/2015 55.89 $651.86 $585.12
12/01/2014 12/14/2014 12/19/2014 66.32 $802.68 $660.08
11/17/2014 11/30/2014 12/05/2014 62.49 $718.34 $641.22
11/03/2014 11/16/2014 11/21/2014 69.88 $779.18 $706.78
10/20/2014 11/02/2014 11/07/2014 65.41 $742.74 $655.49
10/06/2014 10/19/2014 10/24/2014 60.08 $665.88 $603.28
09/22/2014 10/05/2014 10/10/2014 67.33 $750.63 $675.69
09/08/2014 09/21/2014 09/26/2014 76.03 $846.33 $763.13
09/01/2014 09/14/2014 09/19/2014 70.64 $70.64 $64.54
08/25/2014 09/07/2014 09/12/2014 70.37 $706.35 $645.24
08/18/2014 08/31/2014 09/05/2014 0.0 $65.50 $59.84
08/11/2014 08/24/2014 08/29/2014 65.43 $655.00 $598.35
07/28/2014 08/10/2014 08/15/2014 72.5 $725.00 $662.28
07/14/2014 07/27/2014 08/01/2014 72.33 $759.55 $693.85
06/30/2014 07/13/2014 07/18/2014 72.5 $652.50 $596.06
06/16/2014 06/29/2014 07/03/2014 64.93 $584.37 $533.82
06/02/2014 06/15/2014 06/20/2014 65.25 $587.25 $536.45

EMPLOYER LEVEL DISCLAIMER

Page 4 of 9
9867810092
Huntington Hospital 2 9 0 2 9 100 W. California Blvd
PASADENA , CA 91105

Information Current as of Employee Name Division

05/12/2022 Cindy V Zialcita HH1
Most Recent Job Title Average Hours per pay
Employment Total Time With Rate of
Start Date
Status Employer Registered Nurse 1 2 HR Pay period
Active 08/30/2021 0 years , 8 months 617100 $46.57 36.0
Hourly

Original Hire Date Union Affiliation Work Location( Job site)

08/30/2021 ,

Next Projected La
Date of Pay Increase
Amount of Pay Increase $0.0 0 $0.00

FEIN Employee Phone Number Date of

951644036 4433 Eagle Rock Blvd. Apt. 406 11/18/1985
Los Angeles , California 90041

WORKERS' COMPENSATION

INCOME AND DEDUCTIONS

36.0 Bi-weekly

PAY PERIOD DETAIL 03/30/2022

Income Withholding
Total Gross Earnings $5,916.13
 Pay Period Begin Pay Period End Pay Date Hours Worked Gross Earnings Net
Date Date
04/17/2022 04/30/2022 05/06/2022 85.1 $5,940.82 $3,548.03
04/03/2022 04/16/2022 04/22/2022 101.3 $7,477.04 $4,562.25
03/20/2022 04/02/2022 04/08/2022 72.3 $4,405.37 $2,913.29
03/06/2022 03/19/2022 03/25/2022 77.8 $5,916. 13 $3,734.97
02/20/2022 03/05/2022 03/11/2022 85.1 $5,797.20 $4,958.79
02/06/2022 02/19/2022 02/25/2022 60.9 $4,237.78 $2,822. 14
01/23/2022 02/05/2022 02/11/2022 73.2 $4,369.26 $2,893.65
01/09/2022 01/22/2022 01/28/2022 97.6 $9,857.68 $8,501.55
12/26/2021 01/08/2022 01/14/2022 85.5 $7,320.97 $6,288.27
12/12/2021 12/25/2021 12/31/2021 97.0 $9,754.98 $5,587.23
11/28/2021 12/11/2021 12/17/2021 98.1 $9,943.24 $5,655.76
11/14/2021 11/27/2021 12/03/2021 98.1 $9,943.24 $5,655.77
10/31/2021 11/13/2021 11/19/2021 97.7 $9,874.78 $5,625.84
10/17/2021 10/30/2021 11/05/2021 73.8 $4,429.94 $2,896.82
10/03/2021 10/16/2021 10/22/2021 73.2 $4,177.44 $2,759.76
09/19/2021 10/02/2021 10/08/2021 73.8 $4,235.46 $2,902.68
09/05/2021 09/18/2021 09/24/2021 72.6 $4,119.42 $2,836.62
08/22/2021 09/04/2021 09/10/2021 40.0 $6,774.00 $4,409.44

EMPLOYER LEVEL DISCLAIMER

SSV: Please use Headquarters Address above for garnishment requests. . < br> < br> The Average Hours Per Pay Period reflects the
actual hours paid for the most recent pay period. < br> < br> Please note that data prior to 0 1 / 2 0 2 0 for Huntington Hospital can be
found under Employer Code 1 5 6 9 2 . < br> < br> Active 1 2 - hour employees: This employee is regularly scheduled to work 1 2 -
hours per shift and is guaranteed overtime pay after the first 8 - hours of work up to a maximum of 6 shifts for a full- time
employee. < br> < br> Terminated 1 2 - hour employees: This employee was regularly scheduled to work 1 2 - hours per shift and
was guaranteed
overtime pay after the first 8 - hours of work up to a maximum of 6 shifts for a full- time employee.
TSV: Please use Headquarters Address above for garnishment requests.
VOE: Please use Headquarters Address above for garnishment requests. < br> < br> Please note that data prior to 0 1 / 2 0 2 0 for
Huntington Hospital can be found under Employer Code 1 5 6 9 2 .
VOI: Please use Headquarters Address above for garnishment requests. . < br> < br> Average Hours Per Pay Period is a weekly
average amount. < br> < br> Please note that data prior to 0 1 / 2 0 2 0 for Huntington Hospital can be found under Employer Code
1 56 9 2 .< br> < br> Active 1 2 - hour employees: This employee is regularly scheduled to work 1 2 - hours per shift and is guaranteed
overtime pay after the first 8 - hours of work up to a maximum of 6 shifts for a full- time employee.< br> < br> Terminated 1 2 - hour
employees: This employee was regularly scheduled to work 1 2 - hours per shift and was guaranteed overtime pay after the first 8 -
hours of work up to a maximum of 6 shifts for a full- time employee.

Employer Name Employer Code Employer

DESERT SPRINGS HOSPITAL 1 0 0 2 6 2 07 5 EAST FLAMINGO RD

LAS VEGAS , NV 89119

Information Current as of Employee Name

06/26/2020 CINDY ZIALCITA 335

Rate of
Active 08/27/2018 1 years , 10 months RN I (VHS) $33.46 Hourly

Union Affiliation Work Location( Job site)

08/27/2018 2 0 7 5 EAST FLAMINGO ROAD
LAS VEGAS , NV 89119

Year Base Pay Overtime Commission Bonuses Other Income Total Pay
2020 $24,629.21 $0.00 $0.00 $0.00 $7,937.48 $32,566.69
2019 $55,967.52 $281.87 $0.00 $0.00 $8,633.89 $64,883.28
2018 $19,199.52 $97.62 $0.00 $0.00 $1,509.69 $20,806.83

Next Projected La
Date of Pay Increase
Amount of Pay Increase $0.0 0 $0.00

Page 6 of 9
9867810092
 FEIN Employee Phone Number Date of
2 32937646 9599 W CHARLESTON BLVD APT 106UNIT 1067 11/18/1985
LAS VEGAS 89117

WORKERS' COMPENSATION

INCOME AND DEDUCTIONS

0.0 Bi-weekly

PAY PERIOD DETAIL 08/15/2020

Income Withholding
Total Gross Earnings $569.97 Federal Tax $0.00
Pension $0.00 state Tax $0.00
Other Income $0.00 Local Tax $482.23
Social Security $163.09
Medicare $38.15
Retirement/ 401 k $0.00
Cafeteria Plan $0.00
Garnishments $0.00
Other Withholding $47.82

HISTORICAL PAY PERIOD SUMMARY

Page 7 of 9
9867810092
 Pay Period Begin Pay Period End Pay Date Hours Worked Gross Earnings Net
Date Date
08/15/2020 08/21/2020 28.0 $569.97 $471.45
08/01/2020 08/07/2020 161.0 $2,741.75 $2,477.09
07/18/2020 07/24/2020 108.0 $2,481.48 $2,236.74
07/04/2020 07/10/2020 166.5 $2,633.83 $2,377.41
06/20/2020 06/26/2020 183.5 $2,617.63 $2,362.48
06/06/2020 06/12/2020 163.5 $2,618.83 $2,363.56
05/23/2020 05/29/2020 146.25 $2,571.04 $2,319.44
05/09/2020 05/15/2020 186.25 $2,653.96 $2,396.02
04/25/2020 05/01/2020 157.0 $2,311.93 $2,080. 15
04/11/2020 04/17/2020 119.75 $2,223. 10 $1,998. 12
03/28/2020 04/03/2020 168.0 $2,660.87 $2,402.40
03/14/2020 03/20/2020 163.25 $2,647.72 $2,390.25
02/29/2020 03/06/2020 162.5 $2,593.75 $2,340.42
02/15/2020 02/21/2020 175.25 $2,659.72 $2,401.33
02/01/2020 02/07/2020 137.0 $2,153.32 $1,933.68
01/18/2020 01/24/2020 128.75 $2,483.81 $2,238.88
01/04/2020 01/10/2020 72.0 $2,371.01 $2,134.71
12/21/2019 12/27/2019 152.5 $2,534. 17 $2,286.45
12/07/2019 12/13/2019 175.5 $2,610.95 $2,357.35
11/23/2019 11/29/2019 146.5 $2,565.50 $2,315.39
11/09/2019 11/15/2019 147.5 $2,582.95 $2,331.50
10/26/2019 11/01/2019 167.25 $2,736.55 $2,473.36
10/12/2019 10/18/2019 167.75 $2,610.82 $2,357.24
09/28/2019 10/04/2019 170.5 $2,597.72 $2,345. 13
09/14/2019 09/20/2019 156.0 $2,591.45 $2,339.35
08/31/2019 09/06/2019 149.0 $2,172.75 $1,952.68
08/17/2019 08/23/2019 174.5 $2,564.60 $2,314.56
08/03/2019 08/09/2019 156.5 $2,213.60 $1,990.41
07/20/2019 07/26/2019 166.25 $2,585.25 $2,333.63
07/06/2019 07/12/2019 155.25 $2,549.69 $2,300.78
06/22/2019 06/28/2019 163.75 $2,651.76 $2,395.05
06/08/2019 06/14/2019 162.0 $2,510.68 $2,264.76
05/25/2019 05/31/2019 160.75 $2,110. 18 $1,894.90
05/11/2019 05/17/2019 146.0 $2,486.69 $2,242.61
04/27/2019 05/03/2019 165.5 $2,485.29 $2,239.45
04/13/2019 04/19/2019 187.0 $2,543.66 $2,293.36
03/30/2019 04/05/2019 142.25 $2,107.65 $1,890.69
03/16/2019 03/22/2019 101.0 $1,782.52 $1,590.45
03/02/2019 03/08/2019 160.5 $2,541. 12 $2,291.01
02/16/2019 02/22/2019 164.5 $2,700.30 $2,431.77
02/02/2019 02/08/2019 140.0 $2,701.86 $2,439.45
01/19/2019 01/25/2019 193.25 $2,637.75 $2,380.25
01/05/2019 01/11/2019 145.25 $2,707.82 $2,444.96
12/22/2018 12/28/2018 166.5 $2,486.56 $2,240.63
12/08/2018 12/14/2018 187.25 $2,551.90 $2,300.96
11/24/2018 11/30/2018 170.0 $2,239.21 $2,012.20
11/10/2018 11/16/2018 160.25 $2,469.00 $2,224.41
10/27/2018 11/02/2018 180.25 $2,568.86 $2,316.63
10/13/2018 10/19/2018 167.75 $2,823.05 $2,551.37
09/29/2018 10/05/2018 84.0 $2,313.55 $2,080.85
09/15/2018 09/21/2018 78.75 $2,152.74 $1,988.06
09/01/2018 09/07/2018 37.75 $1,201.96 $1,110.01

EMPLOYER LEVEL DISCLAIMER

VOE: Total time with employer is calculated from the employee' s most recent hire date and may not include prior service. For all wage
garnishments please forward to Attention: Payroll at the address listed above.
VOI: Total time with employer is calculated from the employee' s most recent hire date and may not include prior service. For all wage
garnishments please forward to Attention: Payroll at the address listed above.

Page 8 of 9
9867810092
 Employer Name Employer Code Employer Address
VXI Global Solutions, LL 3257518 220 WEST 1ST STREET 3RD FL
LOS ANGELES , CA 90012

Information Current as of Employee Name

05/16/2016 Cindy Valeriano Zialcita 7J3

Inactive 06/02/2014 1 years , 11 months Associate

Date of Termination Original Hire Date Union Affiliation Work Location( Job site)
05/16/2016 06/02/2014 ,

Next Projected La
Date of Pay Increase
Amount of Pay Increase $0.0 0 $0.00

FE Employee Phone Number Date of

4433 Eagle Rock Blvd.#406 11/18/1985
Los Angeles 90041

INCOME AND DEDUCTIONS

0.0 Bi-weekly

EMPLOYER LEVEL DISCLAIMER

SSV: Please use Headquarters Address above for garnishment requests. < br / > The Average Hours Per Pay Period reflects the
actual hours paid for the most recent pay period. < br / > Commissions, if applicable, are captured within ' Other' field. If wage
breakout details are not available, all the breakout categories will contain $ 0 s and only the YTD amount will be
displayed. < br / > < br />Please note that data prior to 09/25/2020 for Employer Code 3257518 can be found under
Employer Code 16215.
TSV: Please use Headquarters Address above for garnishment requests. < br / > < br / > Please note that data prior to 0 9 / 2 5 / 2 0 2 0 for
Employer Code 3 2 5 7 5 1 8 can be found under Employer Code 1 6 2 1 5 .
VOE: Please use Headquarters Address above for garnishment requests. < br / > < br / > Please note that data prior to 0 9 / 2 5 / 2 0 2 0 for
Employer Code 3 2 5 7 5 1 8 can be found under Employer Code 1 6 2 1 5 .
VOI: Please use Headquarters Address above for garnishment requests. < br / > The Average Hours Per Pay Period reflects the actual
hours paid for the most recent pay period. < br / > Commissions, if applicable, are captured within ' Other' field. If wage
breakout details are not available, all the breakout categories will contain $ 0 s and only the YTD amount will be
displayed. < br / > < br />Please note that data prior to 09/25/2020 for Employer Code 3257518 can be found under
Employer Code 16215.

Page 9 of 9
9867810092
STATE OF CALIFORNIA- Notice to Consumer under Consumer Credit Reporting Agencies Act

Note: The terms "consumer report", "credit report" and "credit file" as may be used in this notice are
intended to reference your Employment Data Report issued by TALX Corporation, a provider of The Work
Number® . The term "consumer reporting agency" or similar terms in this notice refer to TALX Corporation, a
provider of The Work Number. Please note that The Work Number does not provide traditional credit
information, but state law may include the employment and income data provided by The Work Number
within its definition of a consumer report.

You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be
charged a reasonable fee not exceeding eight dollars ($8.00). There is no fee, however, if you have been
turned down for credit, employment, insurance, or a rental dwelling because of information in your credit
report within the preceding 6 0 days. The consumer credit reporting agency must provide someone to help
you interpret the information in your credit file.

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency
directly. However, neither you nor any credit repair company or credit service organization has the right to
have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair
Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information
from your report only if it is over seven years old. Bankruptcy information can be reported for 1 0 years.

If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of
information in your file, the consumer credit reporting agency must then, within 3 0 business days,
reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may
not charge a fee for this service. Any pertinent information and copies of all documents you have
concerning an error should be given to the consumer credit reporting agency.

If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the
consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The
consumer credit reporting agency must include your statement about disputed information in a report it
issues about you.

You have a right to receive a record of all inquiries relating to a credit transaction initiated in 1 2
months preceding your request. This record shall include the recipients of any consumer credit report.

You may request in writing that the information contained in your file not be provided to a third party
for marketing purposes.

You have a right to place a " security freeze" on your credit report, which will prohibit a consumer credit
reporting agency from releasing any information in your credit report without your express authorization. A
security freeze must be requested in writing by mail. The security freeze is designed to prevent credit, loans,
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 subsequent request or
application you make regarding a new loan, credit, mortgage, or cellular phone or other new account,
Including an extension of credit at point of sale. When you place a security freeze on your credit report,
you will be provided a personal identification number or password to use if you choose to remove the
freeze on your credit report or authorize the release of your credit report for a specific party or period of
time after the freeze is in place. To provide that authorization you must contact the consumer credit reporting
agency and provide all of the following:

( 1 ) The personal identification number or password.

( 2) Proper identification to verify your identity.
( 3) The proper information regarding the third party who is to receive the credit report or the period of time
for which the report shall be available to users of the credit report.

A consumer credit reporting agency must authorize the release of your credit report no later than
three business days after receiving the above information.
A security freeze does not apply when you have an existing account and a copy of your report is requested
by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control,
or similar activities.

If you are actively seeking credit, you should understand that the procedures involved in lifting a security
freeze may slow your application for credit. You should plan ahead and lift a freeze, either completely if
you are shopping around, or specifically for a certain creditor, before applying for new credit.

A consumer credit reporting agency may not charge a fee to a consumer for placing or removing a security
freeze if the consumer is a victim of Identity theft and submits a copy of a valid police report or valid
Department of Motor Vehicles investigative report. A person 6 5 years of age or older with proper
identification shall not be charged a fee for placing an initial security freeze, but may be charged a fee of no
more than five dollars ($5.00) for lifting, removing, or replacing a security freeze. All other consumers may be
charged a fee of no more than ten dollars ($10.00) for each of these steps.

You have a right to bring civil action against anyone, including a consumer credit reporting agency, who
improperly obtains access to a file, knowingly or willfully misuses file data, or fails to correct inaccurate
file data.

If you are a victim of identity theft and provide to a consumer credit reporting agency a copy of a valid
police report or a valid investigative report made by a Department of Motor Vehicles investigator with peace
officer status describing your circumstances, the following shall apply:

You have a right to have any information you list on the report as allegedly fraudulent promptly blocked
so that the information cannot be reported. The information will be unblocked only if ( A) the information
you provide is a material misrepresentation of the facts, ( B) you agree that the information is blocked in
error, or ( C) you knowingly obtained possession of goods, services, or moneys as result of the blocked
transactions. If blocked information is unblocked, you will be promptly notified.

You have a right to receive, free of charge and upon request, one copy of your credit report each
month for up to 12 consecutive months.

How to Freeze Your Report

A security freeze request may be sent via mail to:

Equifax Workforce Solutions

Attn: Employment Data Freeze
3470 Rider Trail South
Earth City, MO 63045

You may also send a freeze request to:

Email: TWNFreeze@ equifax. com
Phone: 1-866-222-5880
Fax: 877-879-8182

We will provide you with confirmation of the placement of your freeze. Please note that although some
state laws may allow us to charge a fee, TALX Corporation never charges any fees to place or remove a
security freeze.
 Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la
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 – or to take another adverse action against you – 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:

o a person has taken adverse action against you because of information in

your credit report;
o you are the victim of identity theft and place a fraud alert in your file;
o your file contains inaccurate information as a result of fraud;
o you are on public assistance;
o you are unemployed but expect to apply for employment within 6 0 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.
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● Consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable information. Inaccurate, incomplete, or unverifiable information must
be

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 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 – 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 agency from releasing information in your credit
report without your express authorization. The security freeze is designed to prevent
credit, loans, 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 subsequent 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 file 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
credit 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, you 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

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 collecting the account. Reviewing the account includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and
enhancements.

● 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 consumer protection agency or your state Attorney General.
For information about your federal rights, contact:

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 TYPE OF BUSINESS: CONTACT:
1 .a. Banks, savings associations, and credit unions with a. Consumer Financial Protection Bureau
total assets of over $10 billion and their affiliates 1700 G Street, N.W.
Washington, DC 20552

b. Such affiliates that are not banks, savings associations, b. Federal Trade Commission
or credit unions also should list, in addition to the CFPB: Consumer Response Center
6 0 0 Pennsylvania Avenue, N. W.
Washington, DC 2 0 5 8 0
(877) 382-4357
2 . To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
a. National banks, federal savings associations, and Customer Assistance Group
federal branches and federal agencies of foreign banks 1301 McKinney Street, Suite 3450
Houston, TX 77010-9050

b. State member banks, branches and agencies of foreign banks b. Federal Reserve Consumer Help
( other than federal branches, federal agencies, and Insured Center P.O. Box 1200
State Branches of Foreign Banks) , commercial lending Minneapolis, MN 55480
companies owned or controlled by foreign banks, and
organizations operating under section 25 or 25A of the c. FDIC Consumer Response Center
Federal Reserve Act. 1100 Walnut Street, Box # 11
Kansas City, MO 64106
c. Nonmember Insured Banks, Insured State Branches
of Foreign Banks, and insured state savings associations d. National Credit Union Administration
Office of Consumer Financial Protection ( OCFP)
d. Federal Credit Unions Division of Consumer Compliance Policy and Outreach
1 77 5 Duke Street
Alexandria, VA 2 2 3 1 4
3. 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
4 . Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
3 9 5 E Street, S. W.
ashington, DC 2 0 4 2 3
W
5 . Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor
6 . Small Business Investment Companies Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, S.W., Suite 8200
Washington, DC 20416
7 . Brokers and Dealers Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
8 . Federal Land Banks, Federal Land Bank Associations, Farm Credit Administration
Federal Intermediate Credit Banks, and Production 1501 Farm Credit Drive
Credit Associations McLean, VA 22102-5090
9 . Retailers, Finance Companies, and All Other Creditors Not Federal Trade Commission
Listed Above Consumer Response Center
6 00 Pennsylvania Avenue, N.W.
Washington, DC 20580
(877) 382-4357