TITLE 7 - Agriculture

CHAPTER XVIII -- RURAL DEVELOPMENT, DEPARTMENT OF AGRICULTURE

SUBCHAPTER H - PROGRAM REGULATIONS

PART 1910 - GENERAL

Subpart B - Credit Reports (Individual)

## [Table of Contents]{.underline}

[Sec]{.underline}. [Page]{.underline}

1910.51 Purpose. 1

1910.52 General. 1

1910.53 Policy. 2

1910.54 Definitions. 3

1910.55 Credit reporting company requirements. 4

1910.56 - 1910.58 \[Reserved\]

1910.59 Type of credit report to be ordered. 5

1910.60 Processing order tickets. 5

1910.61 Collecting fees, invoicing and payments. 6

1910.62 Loan documentation procedure. 9

1910.63 Unsatisfactory contractor performance. 9

1910.64 Confidential handling of credit information. 9

1910.65 - 1910.100 \[Reserved\]

Exhibit A - Credit Report Contractors, Current Prices, and

Geographical coverage

## oOo

(5-30-89) SPECIAL PN

RD Instruction 1910-B

Part 1910 - General

Subpart B - Credit Reports (Individual)

§1910.51 [Purpose]{.underline}.

This Subpart prescribes the policies and procedures of Rural Development
for individual and joint type credit reports. Credit reports will be
ordered to determine the eligibility of applicants requesting Rural
Development loans. A nonrefundable fee will be charged the applicant.
This subpart is inapplicable to Farm Service Agency, Farm Loan Programs.
(Revised 01-09-08, PN 417.)

§1910.52 [General]{.underline}.

\(a\) Rural Development obtains credit reports from credit reporting
companies (Contractors) listed in Exhibit A of this Subpart (available
in any Rural Development office) as authorized by the National Office,
Rural Development. Furthermore, special reports, supplemental employment
reports, commercial credit reports, and special services are not
authorized. (Revised 5-30-89, Special PN.)

\(b\) Whenever Exhibit A does not list a contractor for a particular
town or area, the local Rural Development official should request,
through the State Director, the address of other contractors from the
Director, Directives and Administrative Services Division, National
Office. If the Director, Directives and Administrative Services
Division, informs the State Director that there are no other contractors
for that particular area, the local Rural Development official should
follow the procedures outlined in Exhibit A, CREDIT REPORT CONTRACTS,
(a). In the meantime, §1910.4 (b)(1), (2), (4), (5), (6), (7), (8), (9)
and (10) of Subpart A of Part 1910 of this chapter will be followed in
obtaining and verifying the applicant\'s qualifications and credit
needs. (Revised 12-03-90, SPECIAL PN.)

\(c\) Credit reports may be ordered under the provisions of this Subpart
only by Rural Development employees.

\(d\) Order tickets are printed by, and at the expense of, the
contractor and supplied to County Offices. Order tickets of one
contractor must not be used to order credit reports from another
contractor. Only Rural Development employees may use these order
tickets. They will not be supplied to brokers, packagers, etc.

\(e\) Regardless of the amount of the fee charged the Government, the
non-refundable cost charged the applicant for each credit report is as
indicated in Exhibit A, General, (b). (This figure is not to be confused
with the schedule of fees charged by credit reporting companies
appearing in\
Exhibit A.)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Distribution; WSAL Applications

General

## 1

## (Revision 7)

(11-19-84) SPECIAL PN

RD Instruction 1910-B

§1910.53 [Policy]{.underline}.

\(a\) The County Supervisor will be responsible for ordering individual
credit reports. These will be obtained on initial and rescheduled Farmer
Program loans and on all initial Single Family Housing applications,
except for those situations outlined in paragraph (c) of this section,
to help determine the eligibility of the loan applicant, and when it
appears the credit report will not have to be updated before loan
closing. (Revised 12-03-90, SPECIAL PN.)

\(b\) If the applicant appears eligible based on the information
submitted on the application form and a credit report is needed, a
nonrefundable credit report fee will be collected when the application
is received if the County Supervisor determines that the requested loan
will likely be processed within 6 months. If the County Supervisor
determines that the loan probably will not be processed within 6 months,
the nonrefundable credit report fee will be collected at the time the
applicant is notified that the County Supervisor is ready to process the
loan application.

\(c\) Credit reports will not be ordered when:

\(1\) The information available indicates that a loan will not be made.
County Supervisors must train their staffs in the proper evaluating of
loan applications, not only to preclude the ordering of unnecessary
credit reports, but also to assure that adequate consideration is given
to the application.

\(2\) An applicant resides in a remote area and the credit reporting
company would not be able to provide sufficient or conclusive credit
information; however, County Supervisors are cautioned that information
relative to judgments, garnishment of wages, foreclosures and
bankruptcies can be more efficiently obtained from credit reports than
from searches conducted by the County Supervisor.

\(3\) A current and reliable credit report has been delivered directly
to Rural Development by the credit reporting company. Packagers of
Section 502 Rural Housing loan applications will not be encouraged to
provide credit reports. Packagers may, however, at their discretion,
order a credit report to be mailed directly to the Rural Development
Office by the credit reporting company, but Rural Development will not
pay for or collect a fee from an applicant to pay for the report ordered
by a packager. (Revised 5-30-89, Special PN.)

\(d\) The County Supervisor determines when and what type of credit
report will be ordered in accordance with this subpart, except that
credit reports will always be ordered when the incomes of both applicant
and co-applicant are needed to show repayment ability. (Revised 5-30-89,
Special PN.)

## 2

## (Revision 7) 

§1910.53 (Con.) RD Instruction 1910-B

\(e\) A nonrefundable credit report fee of the amount shown in Exhibit
A, General, (b) of this Subpart (available in any Rural Development
Office) will be a one time charge for each initial credit report
ordered. (Revised 5-30-89 SPECIAL PN)

\(f\) Credit reports may be ordered in connection with servicing of RH
loans. However, prior written authorization must be obtained from the
State Director. Such authorization may be granted on an individual,
county, district, or statewide basis. If a credit report is determined
necessary, it will be ordered without charge to the borrower. (Revised
10-24-90, PN 148.)

\(g\) Credit reports will not be ordered for Section 504 grant
applicants or 504 loan applicants when the loan amount is \$7,500 or
less. For 504 loans of more than \$7,500, credit reports will be
obtained without a charge to the applicant. A credit report will not be
ordered for a Section 502 RH loan applicant if the requested loan will
likely not exceed \$7,500, unless the County Supervisor determines a
report is necessary. Although it is the policy not to order a report for
Section 502 RH loans of \$7,500 or less, a credit report may be
necessary if the application indicates numerous debts or out of the area
credit history. If a credit report is determined necessary, it will be
ordered without charge to the applicant. (Revised 5-12-89 SPECIAL PN)

\(h\) An additional credit report to update the applicant\'s credit will
not be ordered unless more than 6 months have elapsed since the last
report, and the County Supervisor determines that the applicant\'s
circumstances have substantially changed. If an unusual circumstance
occurs and an additional credit report is needed, it will be ordered at
no cost to the applicant, provided the applicant has already paid the
fee to Rural Development when the original credit report was ordered.

§1910.54 [Definitions]{.underline}. For the purpose of this subpart, the
following definitions apply:

\(a\) \"Antecedent Report\" is a previous residence report required when
the minimum 2 year up-to-date credit coverage is not available in the
contractor\'s reporting territory. The report includes information
obtained from another contractor which covers an area outside of the
area covered by the reporting contractor.

\(b\) \"Applicant\", for other than Farmer Program loans, also includes
co-applicant(s) co-signer(s), each individual in an association, and
general partner(s) in a partnership. For Farmer Program loans,
\"applicant\" also includes co-signers, member(s) of a cooperative,
stockholder(s) in a corporation, partner(s) in a partnership, and joint
operators of a joint operation. (Revised 5-30-89 SPECIAL PN)

\(c\) \"Basic Report\" is a report that does not include supplemental or
antecedent information and which contains all credit and public record
information available, covering no less than a 2 year period.

## 3

## (Revision 5)

(11-19-84) SPECIAL PN

RD Instruction 1910-B

§1910.54 (Con.)

\(d\) \"County Supervisor\" also includes Assistant County Supervisor
for all duties and responsibilities which are included in the
employee\'s job description and for authorizations which have been
delegated in writing in accordance with RD Instruction 2006-F (available
in any Rural Development office). For Alaska, it also includes Area Loan
Specialist. For the Western Pacific Territories it also includes Area
Supervisors.

\(e\) \"Individual Report\" is a report providing information on one
person only. It may be supplemented by \"antecedent\" and/or
\"supplemental credit reference\" reports to provide all the information
required by the 2 year report period.

\(f\) \"Joint Report\" is a report providing information on an applicant
and spouse. It may be supplemented by \"antecedent\" and/or
\"supplemental credit reference\" reports to provide all the information
required by the 2-year report period. (Revised 06-20-90, PN 137.)

\(g\) \"Order Ticket\" is the format used for ordering a credit report.
(Renumbered 10-28-87, PN 67.)

\(h\) \"Report Period\" is the 2-year period before the date the credit
report is prepared. (Renumbered 10-28-87, PN 67.)

\(i\) \"Repository\" is an entity engaged in gathering, recording, and
updating information relative to the credit history of individuals in an
area. The area covered may encompass several towns, cities, counties, or
parts of counties. (Renumbered 10-28-87, PN 67.)

\(j\) \"Special Services\" are any services which are not included in
§1910.54(a), (c), (e), and (k) of this subpart and which will result in
additional cost. Special Services are not authorized under this subpart.
(Revised and Renumbered 10-28-87, PN 67.)

\(k\) \"Supplemental Credit Reference Report\" is a report which is
required when the applicant lives in the contractor\'s reporting area
but credit references are located in another contractor\'s reporting
area. (Renumbered 10-28-87, PN 67.)

§1910.55 [Credit reporting company requirements]{.underline}.

\(a\) The contractor must provide ALL credit and public record
information available for the report period as defined in §1910.54(h) of
this subpart. (Revised 10-28-87, PN 67.)

\(b\) The contractor must make appropriate certifications regarding the
search and/or source of public records and credit record history.

## 4

## (Revision 5) 

§1910.55 (Con.) RD Instruction 1910-B

\(c\) The trade or credit history portion of the report must cover the
past 2 years brought up to date. Accounts must be rated to indicate past
and current payment records, original amount of debt, monthly
installment, and unpaid balance of the debt. All additional available
account information must be furnished. The contractor must clear bank,
savings and lean, and credit union accounts and clear all local
reference indicating the date the account was cleared.

\(d\) Public record information must be obtained by special check of
public records or, as an equivalent, from accumulated and regularly
filed records of a qualified legal reporting service. All items of
public record information must be reported except that obsolete items
are to be excluded as provided under Section 605 of the Fair Credit
Reporting Act. 15 U.S.C. §1681c. For purposes of these contracts, all
adverse items which antedate the report by 7 years may be excluded.

\(e\) Reports which do not require antecedent information shall be
delivered by the contractor within 8 working days of receipt of the
order or 12 working days when antecedent information is required.

§§1910.56 - 1910.58 \[Reserved\]

§1910.59 [Type of Credit report to be ordered]{.underline}. (Revised
5-30-89,\
SPECIAL PN.)

Pursuant to the Equal Credit Opportunity Act (ECOA), credit reporting
companies maintain credit information in three different forms on a
married couple: individual accounts on each spouse, a joint account
covering both spouses, and undesignated accounts (not identified by a
creditor as either individual or joint). The County Supervisor will
order:

\(a\) A joint report when the applicant and co-applicant are married,
regardless of whether there is only one source of income.

\(b\) An individual report when the applicant is married and applies as
an individual.

\(c\) An individual report on each when the applicant and co-applicant
are not married. (Revised 6-20-90, PN 137.)

\(d\) If credit information is needed on other persons to complete the
credit investigation, a separate \"individual\" report request, which
will be paid by the applicant, is prepared for each person as opposed to
the more costly \"special services\" reports.

§1910.60 Processing order tickets.

Order tickets will be processed as follows:

## 5

## (Revision 6)

(11-19-84) SPECIAL PN

RD Instruction 1910-B

§1910.60 (Con.)

\(a\) An original and two copies of the order ticket will be prepared,
except that an extra copy will be furnished when requested by a
contractor. The original order ticket will contain the statement \"I,
(County Supervisor), hereby request the following services\" and will be
signed by the County Supervisor. One copy will be kept in the
applicant\'s file. The signed original and remaining copy will be sent
to the contractor serving the place of residence of the applicant.
(Revised 6-20-90, PN 137.)

\(b\) All appropriate entries on the order ticket will be completed.
Extra entries for \"special services,\" which would result in additional
costs, are not authorized.

\(c\) For both \"individual\" and \"joint\" reports the applicant as
defined in §1910.54 (b) of this subpart must complete in the \"subject\"
block the \"Former Name,\" \"Previous Residence Address\" and \"Length
of Residence.\" If an applicant has resided less than 2 years at the
present address, the \"Subject\'s Previous Residence Address\" block
must be completed so that the contractor will know where to obtain an
antecedent report.

§1910.61 [Collection fees, invoicing and payments]{.underline}.

\(a\) When credit reports are needed, the total amount will (except as
indicated in §1910.53 (g) of this subpart) be collected (preferably, in
the form of a money order or check) from the loan applicant before
credit reports are ordered, and:

\(1\) The County Supervisor will acknowledge receipt of cash for the
credit report fee by using Form RD 451-1, \"Acknowledgement of Cash
Payment.\"

\(2\) Collected credit report fees will be recorded by the person who
collected the fee:

\(i\) By stamping the application \"credit report fee paid\" and then
entering the amount of the fee collected, the date collected, and the
collecting official\'s name in the appropriate spaces on the stamp; and

(Revised 05-05-93, PN 205.)

\(ii\) By entering the date and amount of the credit report fee
collected in column 9 of Form RD 1905-4, \"Application and Processing
Card-Individual.\"

(Revised 5-30-89, SPECIAL PN.)

\(3\) Collection for credit report fees will be promptly remitted to the
Finance Office on a separate Form RD 451-2, \"Schedule of Remittances,\"
as Miscellaneous Collection, in accordance with the

## 6

## (Revision 6) 

RD Instruction 1910-B

§1910.61 (a) (3) (Con.)

Forms Manual Insert (FMI) and RD Instruction 1951-B (available in any
Rural Development office).

\(b\) Invoicing and payments, Option 1:

\(1\) Contractor returns a copy of the order ticket (with billing data
completed) to the local Rural Development office with each credit
report. Contractor also sends a monthly statement to the Finance Office
with the signed original order tickets attaches. (Revised 7-8-87, PN
57.)

\(2\) The County Supervisor will review the report and, if acceptable,
file the report and the copy of the order ticket in the applicant\'s
file. If the report is not acceptable, refer to paragraph 1910.61(d).
(Revised 7-8-87, PN 57.)

\(3\) After receipt of the monthly statement from the contractor, the
Finance Office will match the original signed order tickets with the
statement, verify report charges, and initiate payments where the order
tickets have been signed by the County Supervisor. In additional to the
above, on a routine basis, the Finance Office will perform a statistical
sampling of the signed order tickets received from the contractor to
determine if the tickets received from the contractor to determine if
the tickets were valid. In order to accomplish this, a confirmation
letter will be sent to the respective field office for verification.
(Revised 7-8-87, PN 57.)

\(c\) Invoicing and payments Option 2:

\(1\) Contractor sends a monthly invoice to the local Rural Development
office that ordered the credit report with a copy of the order ticket
attached to support each credit report charge.

\(2\) The County Supervisor will review the report an verify the billing
data against the schedule of charges shown in Exhibit A of this Subpart
or in other credit report contracts authorized by the contracting
Officer, Rural Development. If acceptable, a stamp or handwritten
certification and signature will be placed on the invoice to the effect
that services were satisfactorily rendered ant that it is approved for
payment. The invoice with attachments will then be sent to the Finance
Office for payment to the contractor. If the credit report or invoice is
not acceptable, submit the documentation required in paragraph (d)(2) of
this section. (Revised 7-16-86, PN 17.)

\(d\) In all cases:

\(1\) When a credit report is received without an order ticket attached
the County Supervisor will contact the contractor to ensure that Rural
Development is not being billed for credit reports ordered

## 7

## (Revision 3)

(11-19-84) SPECIAL PN

RD Instruction 1910-B

§1910.61 (d) (1) (con.)

by parties other than Rural Development. Such reports are not encouraged
as they frequently result in extra expenses to the loan applicant and
extra work for the County Supervisor in verifying the authenticity of
the information in the report.

\(2\) If a report is not acceptable the County Supervisor will contact
the contractor for corrections. If no agreement is reached, the County
Supervisor will submit to Director/SFH/PD,Rural Development, Room 5334,
South Agriculture Building, 14th and Independence Avenue, Washington,
D.C. 20250, for review and final determination, the following items:
(Revised 7-16-86, PN 17.)

\(i\) a memorandum stating the reasons for not accepting the credit
report;

\(ii\) the result of the County Supervisor\'s contact with the
contractor; and

\(iii\) a copy of the order ticket with the credit report.

\(3\) At the same time the County Supervisor submits the information
itemized in subparagraph (d)(2) of this Section to the National Office,
a memorandum (with a copy of the memorandum sent to the National Office
and a copy of the order ticket) should also be sent to the Finance
Office (ATTN: FC-360-D2) informing them that payment should not be made
for the attached order ticket until authorized by the National Office. A
copy of the memorandum from the National Office authorizing Finance
Office to make, readjust, or deny payment to the contractor will be sent
to the County Supervisor.

\(4\) The following applies when order tickets are processed for payment
under paragraph (b) of this section. Original order tickets received in
the Finance Office from the contractor which have not been signed by the
County Supervisor will be returned to the responsible Rural Development
field office. If the returned order ticket represents a valid request
for a credit report, the order ticket will be signed by the County
Supervisor and returned to the Finance Office so payment can be made to
the contractor. (Revised 7-8-87, PN 57.)

\(5\) The following applies when order tickets are processed for payment
under paragraph (b) of this section. If a credit report is cancelled
after ordering the report, or a credit report is not received within 25
days from date report was ordered, send a memorandum with a photocopy of
the order ticket to the Finance Office (ATTN: FC 360-D2) asking them not
to pay for the report. A copy of the memorandum and order ticket will
also be sent to Director/SFH/PD, Rural Development, Room 5334, South
Agriculture Building, 14th and Independence Avenue, Washington,

## 8

## (Revision 3) 

RD Instruction 1910-B

1910.61 (d) (5) (Con.)

D.C. 20250. If the late report is received and found acceptable, notify
the Finance Office that payment can be made and send a copy of the
memorandum to the National Office. (Revised 7-8-87, PN 57.)

§1910.62 [Loan documentation procedure]{.underline}.

\(a\) When [Form RD 1940-41]{.underline}, \"Truth in Lending Disclosure
Statement,\" [Form RD 440-58]{.underline}, \"Estimate of Settlement
Cost,\" or [Form RD 1940-59]{.underline}, \"Settlement Statement,\" is
required, the cost to the applicant of the credit report will be entered
on these forms in accordance with the appropriate FMI.

\(b\) Any funds collected as payment for credit reports will not reduce
the amount due on the applicant\'s future loan indebtedness.

§1910.63 [Unsatisfactory contractor performance]{.underline}.

The County Supervisor will monitor credit reports received for
promptness, completeness, and adequacy and discuss any deficiencies
found with the credit reporting company for the correction of such
deficiencies. In the case of recurring deficiencies, the County
Supervisor will request the State Director to contact the credit
reporting company\'s parent office in an attempt to improve the
company\'s performance. If adequate response is not obtained, the State
Director will report the problem to the Contracting Officer in the
Directives and Administrative Services Divisions of the National Office.

§1910.64 [Confidential handling of credit information]{.underline}.

The confidential information furnished to Rural Development in a credit
report shall be used only as an aid in conducting Rural Development
business. It is based on information obtained by the credit bureau from
sources deemed reliable. Disclosure of information contained in the
credit report to the subject of the report will be made by the credit
reporting company as required by the Fair Credit Reporting Act, Public
Law 91-508; except that Rural Development must make credit reports
available to the subject of the report in response to a request made
under the Privacy Act of 1974. Request from creditors and/or credit
bureaus, for information about Rural Development borrowers or applicants
will be handled in accordance with provisions of [Subpart F of part
2018]{.underline} of this Chapter.

§§1910.65 - 1910.100 (Reserved)

Attachment: Exhibit A

## oOo

## 9

(11-19-84) SPECIAL PN

## (Revision 1) 

RD Instruction 1910-B

Exhibit A

CREDIT REPORT CONTRACTORS, CURRENT PRICES,

AND GEOGRAPHIC COVERAGE

[GENERAL]{.underline}

This Exhibit contains data concerning credit report contractors,
geographic coverage, costs charged by contractors, and fees charged loan
applicants for credit reports obtained by Rural Development. General
considerations in using this Exhibit are:

\(a\) The period covered expires Close of Business, April 30, 1995, for
all contractors.

\(b\) The fee to be charged to the loan applicant as required by
§1910.53 (e) of this subpart is \$28 for each individual credit report
ordered and \$34 for each joint report ordered.

\(c\) Order tickets submitted by Rural Development are for individual
and joint reports only. The individual and joint report provided by the
contractor will include the basic report and, when needed, antecedent
and supplemental credit reference reports.

\(d\) Credit reports will be ordered only from the office of the
contractor(s) authorized by Rural Development serving the area where the
applicant resides. Ordering of credit reports from more than one
contractor on the same applicant is not permitted, unless authorized by
the National Office.

\(e\) An Rural Development field office may be served by one or more
authorized contractors. When an area is served by more than one credit
report contractor, the County Supervisor will select the contractor that
provides the best credit report service for that area.

\(f\) Invoicing and payments for credit reports from authorized
contractors will be handled as shown in §1910.61 (b) of this subpart.
Invoicing and payments for other credit reporting companies will be
handled as shown in §1910.61 (c) of this subpart.

[CREDIT REPORT CHARGES]{.underline}

The following fees may be charged to the Government by the contractor
for Credit reports when a report is ordered and received:

\(a\) The cost of the \"Basic Report\" is indicated in this Exhibit for
either an individual or joint report.

\(b\) The cost of an \"Antecedent Report\" is the same as the cost of a
\"Basic Report\" for Credit Bureau Reports, Inc., Credit Resources Inc.,
Equifax Services Inc., LIDA Credit Agency, Inc., and Rialto Credit
Bureau.

\(c\) The cost of an \"Antecedent Report\" is \$9.40 for Accurate Credit
and Collection Service, \$12 for Allstate Credit Bureau, no charge for
Credit Lenders Service Agency, Inc., \$25 for Consolidated Credit
Services, and TRW Informational Services Group (TRW).

(08-19-92) PN 190

RD Instruction 1910-B

Exhibit A

Page 2

\(d\) The cost of a \"Supplemental Credit Reference Report\" is as
follows:

Accurate Credit - \$1.65 Credit Resources - \$7.84

Allstate - \$12 Equifax - \$6.50 for the

Consolidated - \$5 Continental United States,

Credit Bureau CBR \$16 for Alaska,

Reports, Inc. (CBR) - \$6.05 \$14.75 for Hawaii

Credit Lenders Service LIDA - \$9

Agency - \$1 Rialto Credit Bureau - \$4.50

TRW - no charge

Note: The contractor is not required to furnish an employment report.

[CREDIT REPORT CONTRACTS]{.underline}

Credit report contracts are as follows:

\(a\) Locally awarded contracts. There will be areas which are not
covered by National Office contractors. Local Rural Development
officials wishing coverage in these areas should send their requests for
coverage through the State Director to: Director/SFH/PD, Rural
Development, Room 5334, South Agriculture Building, 14th and
Independence Avenue, Washington, D.C. 20250. After authorization from
the National Office, the Contract Program Manager will negotiate (as
authorized in RD Instruction 2024-A available in any Rural Development
Office) contracts for these services and provide information by
memorandum through the State Director to Rural Development field offices
requesting coverage.

\(b\) County Offices can obtain from the contractor the addresses of
branch offices serving their area.

\(c\) Credit report order ticket forms are obtained directly from the
contractor that the County Office selects to provide credit report
service.

\(d\) Authorized credit report contractors, areas served and cost per
basic report are as follows:

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Alabama - entire State Accurate Credit & Collection \$42.30/51.70

Service

Masonic Temple Bldg

Room 304

Olean, New York 14760

Telephone: 1-800-945-1011

RD Instruction 1910-B

Exhibit A

Page 3

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Alabama - entire Allstate Credit Bureau \$18.75/26.75

State (Con.) P.O. Box 437

101 Grand Avenue

Massapequa, New York 11758-0437

Telephone: 1-800-626-3943

Consolidated Credit Services \$40.00/40.00

262 E. Hamilton Avenue, Ste A

Campbell, California 95008

Telephone: (403) 374-4070

Credit Bureau Reports, Inc. \$19.80/27.70

P.O. Box 36403

Houston, Texas 77036

Telephone: 1-800-733-3431

Credit Lenders Service Agency, Inc. \$30.00/35.00

7 Foster Avenue

Gibbsboro, New Jersey 08026

Telephone: 1-800-524-2753

N.J. only: 1-800-624-3303

Credit Resources Inc. \$19.75/27.59

999 McBride Avenue

P.O. Box 540

West Paterson, New Jersey 07424

Telephone: 1-800-247-2365

Equifax Services, Inc. \$25.00/33.50

P.O. Box 4081

1600 Peachtree Street

Atlanta, Georgia 30302

Telephone: (404) 870-2615

LIDA Credit Agency, Inc. \$18.50/26.00

450 Sunrise Highway

Rockville Centre, New York 11570

Telephone: (516) 678-4644

Rialto Credit Bureau \$26.00/26.00

519 W. Foothill, Bldg. D

Rialto, California 92376

Telephone: (714) 875-1199

1-800-626-7627

(08-19-92) PN 190

RD Instruction 1910-B

Exhibit A

Page 4

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Alabama - entire TRW \$38.00/42.00

State (Con.) Informational Service Group

505 City Pkwy. West

P.O. Box 6230

Orange, California 92668

Telephone: 1-800-858-0066

Alaska - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Arizona - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Arkansas - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

California - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

RD Instruction 1910-B

Exhibit A

Page 5

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

California - (con't) LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Colorado - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Connecticut - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Delaware - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Florida - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

(08-19-92) PN 190

RD Instruction 1910-B

Exhibit A

Page 6 Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Florida - (con't) Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Georgia - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Hawaii - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Idaho - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Illinois - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

RD Instruction 1910-B

Exhibit A

Page 7

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Illinios - (con't) Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Indiana - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Iowa - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Kansas - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Kentucky - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

(08-19-92) PN 190

RD Instruction 1910-B

Exhibit A

Page 8

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Kentucky - (con't) LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Louisiana - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Maine - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Maryland - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Massachusetts - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

RD Instruction 1910-B

Exhibit A

Page 9

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Michigan - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Minnesota - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Mississippi - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Missouri - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

(08-19-92) PN 190

RD Instruction 1910-B

Exhibit A

Page 10

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Montana - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Nebraska - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Nevada - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

New Hampshire - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

RD Instruction 1910-B

Exhibit A

Page 11

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

New Jersey - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

New Mexico - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

New York - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

North Carolina - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

(08-19-92) PN 190

RD Instruction 1910-B

Exhibit A

Page 12

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

North Dakota - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Ohio - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Oklahoma - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Oregon - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

RD Instruction 1910-B

Exhibit A

Page 13

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Pennsylvania - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Rhode Island - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

South Carolina - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

South Dakota - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

(08-19-92) PN 190

RD Instruction 1910-B

Exhibit A

Page 14

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Tennessee - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Texas - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Utah - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Vermont - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

RD Instruction 1910-B

Exhibit A

Page 15

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Virginia - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Washington - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

West Virginia - entire Accurate Credit & Collection Ser \$42.30/51.70

State Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Wisconsin - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

(08-19-92) PN 190

RD Instruction 1910-B

Exhibit A

Page 16

Cost per

Credit Report Contractor Basic Report

[Area Served]{.underline} [(Address only shown once)]{.underline}
[Individual/Joint]{.underline}

Wyoming - entire State Accurate Credit & Collection Ser \$42.30/51.70

Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

Puerto Rico - entire Accurate Credit & Collection Ser \$42.30/51.70

Commonwealth Allstate Credit Bureau \$18.75/26.75

Consolidated Credit Services \$40.00/40.00

Credit Bureau Reports \$19.80/27.70

Credit Lenders Service Agency, Inc. \$30.00/35.00

Credit Resources Inc. \$19.75/27.59

Equifax Services, Inc. \$25.00/33.50

LIDA Credit Agency, Inc. \$18.50/26.00

Rialto Credit Bureau \$26.00/26.00

TRW Informational Service Group \$38.00/42.00

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