Document:

Loaned Personnel Agreement by and between First Amer Real Es and First Advantage

 Exhibit 10.10 
  
 LOANED PERSONNEL AGREEMENT 
  
 This LOANED PERSONNEL AGREEMENT (this “Agreement”), effective as of September 14, 2005 (the
“Effective Date”), by and between FIRST AMERICAN REAL ESTATE SOLUTIONS, LLC, a California limited liability company (“FARES”) and FIRST ADVANTAGE CIG LLC a Florida limited liability company
(“FADCIG”). FARES and FADCIG are also referred to collectively as the “Parties” and individually as a “Party.” Capitalized terms used herein and not otherwise defined herein shall have the meanings
set forth in the Master Transfer Agreement (as defined below). 
  
 W I T N E S S E T H: 
  
 WHEREAS, The First
American Corporation, a California Corporation (“First American”), First American Real Estate Information Services, Inc. a California Corporation (“FAREISI”), First American Real Estate Solutions, LLC, (“FARES”) a
California limited liability company, FADV Holdings, LLC, a Delaware limited liability company, First Advantage Corporation, (“FADV) a Delaware Corporation and FADCIG have entered an Amended and Restated Master Transfer Agreement dated as of
June 22, 2005 (the “Master Agreement”), 
  
 WHEREAS, the
Parties each desire that (i) FARES loan the services of certain of its personnel to FADCIG on an interim basis, and FADCIG receive such services in accordance with this Agreement and (ii) FADCIG ultimately make an offer of employment to such
personnel; 
  
 NOW, THEREFORE, subject to the conditions,
provisions and limitations in this Agreement, the Parties agree as follows: 
  
 SECTION 1. LOANED PERSONNEL. 
  
 1.1.
Services. In consideration of payment by FADCIG of the Loan-Out Fee (as defined in Section 2.2), FARES shall loan all individuals employed in the Business (as defined in the Master Transfer Agreement), each such individual an
“Existing Employee,” and, collectively, the “Existing Employees”) to FADCIG, commencing on the Effective Date and terminating on the earlier of December 31, 2005 (such date, the “Termination Date”;
such period, the “Loan-Out Period”). In the event that any of the Existing Employees terminates their employment with FARES under any circumstances (other than as a result of termination of an Existing Employees’ employment by
FARES without the prior written consent of FADCIG), FARES shall cease to have any obligation hereunder to loan such individual to FADCIG or to provide a replacement for such individual, and FARES shall not have any liability hereunder as a result
thereof. 
  
 1.2. Transferred Employees. 
  
 1.2.1 The Parties hereto acknowledge and agree that the Existing Employees
are, at the Effective Date, and shall continue during the Loan-Out Period to be, employees of FARES, and are not and shall not for any purpose during the Loan-Out Period be deemed to be employees of FADCIG, except pursuant to Section 1.2.3 hereof.
Until such time as an Existing Employee ceases to be an employee of FARES, FARES shall be solely responsible for and pay all of the salary, benefits, workers’ compensation premiums, unemployment insurance premiums and other compensation of such
Existing Employee (collectively, “Compensation and Benefits”), including the costs of participation by such Existing Employee in the employee benefit plans of 

 
FARES and its Affiliates, if applicable. Until such time as an Existing Employee ceases to be an employee of FARES, FARES shall be solely responsible for
timely payment, withholding and reporting of all applicable Federal, state and local withholding, employment and payroll taxes with respect to such Existing Employee. Until such time as an Existing Employee ceases to be an employee of FARES, FARES
shall maintain workers’ compensation and employers’ liability insurance, in accordance with applicable law, covering such Existing Employee. FARES shall furnish FADCIG with copies of certificates of insurance or other documentary evidence
of such insurance coverage upon FADCIG’s reasonable request. Until such time as an Existing Employee ceases to be an employee of FARES, FARES shall remain the sole employer of such Existing Employee, but the work performed by such Existing
Employee shall, during the Loan-Out Period, be subject to the final approval of FADCIG or an Affiliate thereof. Notwithstanding the foregoing, the Existing Employees shall report directly and exclusively to FADCIG and FADCIG shall be solely
responsible for the direction, supervision, management and performance of the Existing Employees. FADCIG shall be solely responsible for the results of performance of such Existing Employees and all related quality control measures. In no event
shall FARES or FARES LLC be responsible for the management, supervision, direction, performance or work product of such Existing Employee in performing the Services; provided, however, that FARES may, but shall have no obligation to, participate in
the supervision of such services, and may, if it so desires, participate in the means, manner and method by which such services are to be performed, and the failure of FARES to participate in such supervision shall in no way constitute gross
negligence or willful misconduct on the part of FARES for the purposes of Section 4.1 hereof. 
  
 1.2.2 FADCIG shall make a good faith offer of regular employment to all Existing Employees on or before the Termination Date. For those Existing Employees who accept such offer of employment with FADCIG
(“Continuing Employees”), FARES agrees that it shall be solely responsible for all Compensation and Benefits accruing or earned prior to the date any Existing Employee commences employment with FADCIG (the “FADCIG Employment
Commencement Date”), subject to reimbursement pursuant to Section 2. FADCIG agrees that it shall be responsible for all Compensation and Benefits accruing or earned on and after the FADCIG Employment Commencement Date by Continuing
Employees; provided, that in the event that length of service is relevant for purposes of eligibility or vesting with respect to any Compensation or Benefits to be provided by FADCIG after the FADCIG Employment Commencement Date, such plan, program
or arrangement shall credit each Continuing Employee with the same length of service as such Continuing Employee has been credited with by Seller or FARES as of the FADCIG Employment Commencement Date; provided, further, that FADCIG shall honor all
vacation which has accrued to, but not been used by, any Continuing Employee as of September 14, 2005. Each Continuing Employee shall cease active participation in any employee benefit plan or arrangement of FARES or its Affiliates in which such
Continuing Employee participated immediately prior to the FADCIG Employment Commencement Date (collectively “Benefit Plans”), except to the extent FADCIG employees also participate in such Benefit Plans or arrangements or to the extent
FARES and FADCIG expressly agree otherwise in writing. FARES and FADCIG shall cooperate to minimize the aggregate amount of any employer’s obligation for employment and payroll taxes (including, without limitation, FICA taxes) in respect of any
Continuing Employee. 
  
 SECTION 2. PAYMENTS. 
  
 2.1. Payment of Loan-Out Fee. As consideration for the provision by
FARES of the services of the Existing Employees during the Loan-Out Period, FADCIG shall pay to FARES the Loan-Out Fee in accordance with provisions of this Section 2. 

 2.2. Definitions. 
  
 2.2.1 “Loan-Out Fee” means an aggregate monthly charge in an amount equal to the sum of (i) the actual cost
to FARES and its Affiliates of providing cash and non-cash benefits earned by such Existing Employee, together with all taxes payable thereon and all Reimbursable Expenses. 
  
 2.2.2 “Reimbursable Expenses” means all reasonable travel and entertainment and similar out-of-pocket third
party expenses incurred by the Existing Employees in connection with the performance of their services to FADCIG hereunder. 
  
 2.3. Invoicing. FARES shall invoice FADCIG no later than the fifteenth (15th) day of each month for the Loan-Out Fee payable for the immediately preceding month (the “Applicable Month”); provided that a failure of
FARES to provide a timely invoice shall not relieve FADCIG’s obligation to pay any such invoice once it has been actually delivered by FARES to FADCIG. All payments in accordance with this Agreement shall be made not later than ten (10)
business days following receipt of each invoice by check or wire transfer of United States dollars to the account of FARES designated by FARES in writing to FADCIG. Monthly invoices shall show in reasonable detail the components of the Loan-Out Fee
for the Applicable Month and shall be accompanied by such backup and support as FADCIG shall reasonably request. Should a dispute arise as to the amount of any Loan-Out Fee, and the Parties are unable to promptly resolve the dispute on an amicable
basis, either Party desiring to pursue the dispute shall submit it to binding arbitration in accordance with Section 2.4. 
  
 2.4. Arbitration of Disputed Invoices. In the event any Party elects to submit a disputed Loan-Out Fee to arbitration, the Parties shall jointly
select an arbitrator (an “Arbitrator”). If the Parties are unable to select an Arbitrator within twenty (20) calendar days of submission of the matter to arbitration, then the Parties agree to cause the American Arbitration
Association in Los Angeles, California to select the Arbitrator. Within ten (10) calendar days of the selection of an Arbitrator, each Party shall submit a written statement to such Arbitrator as to the disputed charge. The Arbitrator shall review
each such written statement and render a written decision as to the disputed invoice charge within ten (10) calendar days of receipt of all written statements. The decision of the Arbitrator shall be final and non-appealable and may be entered in
any court of competent jurisdiction. The Parties shall each bear one-half of the cost of any such arbitration. 
  
 SECTION 3. TERM AND TERMINATION 
  
 3.1. Commencement Date. This Agreement shall commence on the Effective Date and shall continue in effect until the Termination Date.

  
 3.2. Termination Date. The following obligations shall
survive the Termination Date: (a) the Parties’ obligations to make payments for services performed or provided by the Existing Employees in accordance with this Agreement on or before the Termination Date; (b) the Parties’ indemnification
obligations; and (c) all other provisions of this Agreement, which by their express terms survive the termination of this Agreement. 
  
 SECTION 4. INDEMNITIES 
  
 4.1. FADCIG shall hold harmless and indemnify each of FARES and its Affiliates (each, an “FARES Indemnitee”) from and against all losses,
liabilities, costs, fines, damages and expenses (including, without limitation, reasonable attorney’s fees) (collectively, “Losses”) actually incurred by such FARES Indemnitee to the extent such Losses arise directly from (i)
any breach of any representation, warranty, covenant or agreement made by FADCIG in this Agreement or (ii) any act or omission of FADCIG during the Loan-Out Period in contravention 

 
of any applicable law, regulation, rule, ordinance or court order with respect to any Existing Employees, except in each case to the extent such Losses are
attributable to the gross negligence or willful misconduct of such FARES Indemnitee or (b) are the result of, arise from or are in connection with the services rendered after the Effective Date hereof by any Existing Employee pursuant hereto,
except in each case to the extent such Losses are attributable to the gross negligence or willful misconduct of such FARES Indemnitee; provided, however, that no act or omission of any Existing Employee after the Effective Date shall
constitute gross negligence or willful misconduct on the part of an FARES Indemnitee. 
  
 4.2. FARES shall hold harmless and indemnify each of FADCIG and its Affiliates (each, a “FADCIG Indemnitee”) from and against all Losses actually incurred by such FADCIG Indemnitee to the extent such
Losses arise directly from (i) any breach of any representation, warranty, covenant or agreement made by FARES in this Agreement. 
  
 4.3. FARES’s maximum liability under this Agreement shall be limited to the charges paid to FARES hereunder. In no event, shall FARES be liable
hereunder for any consequential, incidental or punitive loss, damage or expense or lost profits even if it has been advised of their possible existence. 
  
 SECTION 5. NO THIRD PARTY BENEFICIARIES 
  
 This Agreement is solely for the benefit of the Parties, and their successors and assigns, and no provisions of this Agreement shall be deemed to confer
upon any other persons or entities, including, without limitation, the Existing Employees or Continuing Employees, any right, remedy, claim, liability, reimbursement, cause of action or other right, or constitute such other persons or entities as
intended or incidental third party beneficiaries to this Agreement. 
  
 SECTION
6. MISCELLANEOUS PROVISIONS 
  
 6.1. Notices,
Etc. All notices and other communications required or permitted hereunder shall be in writing and shall be mailed by certified or registered mail, postage prepaid with return receipt requested, telecopy (with hard copy delivered by overnight
courier service), or delivered by hand, messenger or overnight courier service, and shall be deemed given when received at the addresses of the Parties set forth below, or at such other address furnished in writing to the other Parties.

  

			
	If to FADCIG:	  	 First Advantage CIG, LLC
 One Progress Plaza Suite
2400
 St. Petersburg, FL 33701
 Telephone: (727)
214-3411
 Telecopier: (714) 214-3428
 Attention: Legal
Department

  

					
	If to FARES:	  	 First American Real Estate Solutions LLC
 12395 First American Way
 Poway, CA 92064
 Attention:

	 	  	Telephone: (619) 938-7028
	 	  	Facsimile: (619) 938-7017

					
	with copies (which shall not constitute notice) to:	  	 The First American Corporation
 1 First
American Way
 Santa Ana, California 92707

	 	  	 Attention:
 Telephone:
 Facsimile:
	  	 General Counsel
 (714) 800-3000
 (714) 800-3325

  
 6.2.
Counterparts. This Agreement may be executed in several counterparts and by facsimile signature, each of which will be deemed an original, but all of which together will constitute one and the same instrument. 
  
 6.3. Entire Agreement. This Agreement and the schedules hereto
constitute the entire agreement among the Parties hereto and their respective Affiliates and contains all of the agreements among such parties with respect to the subject matter hereof. This Agreement and the schedules hereto supersede any and all
other prior agreements, either oral or written, between such parties with respect to the subject matter hereof. 
  
 6.4. Partial Invalidity. Wherever possible, each provision hereof shall be interpreted in such manner as to be effective and valid under applicable
law, but in case any one or more of the provisions contained herein shall, for any reason, be held to be invalid, illegal or unenforceable in any respect, such provision shall be ineffective to the extent, but only to the extent, of such invalidity,
illegality or unenforceability without invalidating the remainder of such invalid, illegal or unenforceable provision or provisions or any other provisions hereof, unless such a construction would be unreasonable. 
  
 6.5. Amendment. This Agreement may be amended only by a written
agreement executed by the Parties. 
  
 6.6. Binding
Effect; Assignment. This Agreement will be binding upon and shall inure to the benefit of the Parties, and their respective successors and assigns, but neither this Agreement, nor any of the rights, interests or obligations hereunder shall be
assigned by any of the Parties without the prior written consent of the other Party; provided, however, that FADCIG may assign without the consent of FARES all of its rights, interests and/or obligations hereunder to a wholly-owned
subsidiary of FADCIG or to First Advantage Corporation. 
  
 6.7. Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF FLORIDA WITHOUT REGARD TO ITS CONFLICT OF LAWS DOCTRINE. 
  
 6.8. Jurisdiction. Except as provided in Section 2.4, each Party
agrees that any legal action or proceeding with respect to this Agreement may be brought in the Courts of the State of Florida sitting in St. Petersburg, Florida or the United States District Court for the Middle District of Florida and, by
execution and delivery of this Agreement, each Party hereby irrevocably submits itself in respect of its property, generally and unconditionally to the non-exclusive jurisdiction of the aforesaid courts in any legal action or proceeding arising out
of this Agreement. Each of the Parties hereby irrevocably waives any objection which it may now or hereafter have to the laying of venue of any of the aforesaid actions or proceedings arising out of or in connection with this Agreement brought in
the courts referred to in the preceding sentence. Each Party consents to process being served in any such action or proceeding by the mailing of a copy thereof to the address for notices to it set forth herein and agrees that such service upon
receipt shall constitute good and sufficient service of process or notice thereof. Nothing in this  

 
paragraph shall affect or eliminate any right to serve process in any other matter permitted by law. 
  
 6.9. Waiver. Any term or provision of this Agreement may be waived, or
the time for its performance may be extended, by the Party entitled to the benefit thereof. Any such waiver shall be in writing signed by the waiving Party and be validly and sufficiently authorized for the purposes of this Agreement if, as to any
Party, it is authorized in writing by an authorized representative of such Party. The failure of any Party hereto to enforce at any time any provision of this Agreement shall not be construed to be a waiver of such provision, nor in any way to
affect the validity of this Agreement or any part hereof or the right of any Party thereafter to enforce each and every such provision. No waiver of any breach of this Agreement shall be held to constitute a waiver of any other or subsequent
breach. 
  
 6.10. Captions. Titles or captions of
Sections or paragraphs contained in this Agreement are inserted only as a matter of convenience and for reference, and in no way define, limit, extend or describe the scope of this Agreement or the intent of any provision hereof. 

 
 6.11. Independent Contractors. The relationship of the Parties
hereto shall be that of independent contracting parties and nothing herein shall be deemed to create any joint venture or partnership between the Parties hereto. 
  
 *                    
*                     * 

 IN WITNESS WHEREOF, this Agreement has been duly executed and delivered by the duly authorized
officers of the Parties effective on the date first above written. 
  

			
	FIRST AMERICAN REAL ESTATE SOLUTIONS LLC
		
	By:	 	/s/    KENNETH D.
DEGIORGIO        
	 Name:
	 	Kenneth D. DeGiorgio
	 Title:
	 	Vice President
	
	FIRST ADVANTAGE CIG, LLC
		
	By:	 	/s/    JULIE WATERS        
	 Name:
	 	Julie Waters
	 Title:
	 	Vice President and General Counsel

 SCHEDULE 1.1 
  

					
	 EMPLOYEE NAME

	  	SALARY

	  	DAILY RATE OF PAYAgreement, dated September 12, 2005

 Exhibit 10.17 
  
 AGREEMENT 
  
 This Agreement is entered into and is effective as of the 12th day of September, 2005 (the “Effective Date”), by and between the Attorney General of the State of Iowa (the “Attorney General”) and FSB Financial, Ltd., a Texas Limited
Partnership (hereinafter “FSB”). 
  
 WHEREAS, FSB
purchased a portfolio of consumer retail installment contracts from South Dakota Acceptance Corporation (hereinafter “SDAC”): and 
  
 WHEREAS, the Attorney General filed a lawsuit in the Iowa District Court for Polk County against SDAC and related parties alleging, among other things,
violations by SDAC of Iowa Code Section 714.16, Iowa Code Chapter 537, and Iowa Code Chapter 706A; and 
  
 WHEREAS, the Attorney General has in said lawsuit challenged the legal validity and enforceability of the retail installment contracts and requested,
among other things, reformation of such contracts; and 
  
 WHEREAS, FSB has offered to reform the active retail installment contracts as set forth below in consideration of the Attorney General’s Agreement not to pursue further modifications or challenges to such active contracts owned or
controlled by FSB or assigned to third parties by FSB subsequent to the date of this Agreement. 
  
 NOW, THEREFORE, IN CONSIDERATION OF THE MUTUAL PROMISES CONTAINED HEREIN, THE PARTIES DO HEREBY MUTUALLY AGREE AS FOLLOWS: 
  
 1. Reformation of Active Retail Installment Contracts. FSB
agrees to reform the active retail installment contracts, as hereinafter defined, in the following manner: 
  

	 	a.	Reduction of Principal Balance. The principal balance under each outstanding active retail installment contract purchased from SDAC will be reduced by the amount of $500 and
such reduction will be credited when and if the contract principal balance reaches $500. After such credit, the contract will have a zero balance and the FSB lien will be released. 

  

	 	b.	Interest Rate Adjustment. All outstanding active retail installment contracts with an annual percentage rate of interest in excess of 17.95% will, as of the Effective Date,
be immediately reduced to an annual percentage rate of interest of 17.95%. However, consumers’ payment amounts shall remain the same under their respective contracts. 

	 	c.	All Active Retail Installment Contracts Deemed Current. If a consumer has failed to make payments during the term of the contract and is greater than thirty (30) days past
due as of the Effective Date of this Agreement, the contract shall be deemed current as of the Effective Date of this Agreement, all past due interest will be waived as of the Effective Date of this Agreement, and all late fees or similar charges
existing as of the Effective Date of this Agreement shall be waived. The consumers shall be required to continue making payments as scheduled under the terms of the retail installment contracts and future missed or late payments will result in
delinquency reporting. Notwithstanding anything contained in this paragraph to the contrary, FSB shall have no obligation to waive past due interest, waive late fees or other charges or to bring any account current if FSB already modified such
contracts or took such action as a result of the July and August offers by FSB to its customers. 

  

	 	d.	Vehicle Repairs. FSB agrees to continue its current practice of aiding consumers with active retail installment contracts on a case by case basis with respect to
non-maintenance repairs to their vehicles. 

  

	 	e.	Assignment of Active Retail Installment Contracts. If FSB chooses to assign or sell its interest in the active retail installment contracts, the terms and provisions of such
contracts, including the reformed items specified herein, shall follow the contracts and be a part thereof. Except as provided in paragraph 2 below, all terms of this Agreement are specifically incorporated into the active retail installment
contracts and shall be fully and completely binding on any successors, assignees, or purchasers. FSB further agrees to give the Attorney General written notice of any such assignment or sale of contracts purchased from SDAC.

  

	 	f.	Legal Effect. All provisions of existing active retail installment contracts shall remain in effect except those provisions specifically reformed by this Agreement.

  

	 	g.	Definition of Active Retail Installment Contracts. For purposes of this Agreement, active retail installment contracts shall mean those retail installment contracts purchased
from SDAC for which there remains a balance owing by the consumer and which have not been “charged off” in the regularly maintained records of FSB as of August 1, 2005.  

  
 2. Cooperation Regarding Consumer Complaints. FSB agrees to
promptly inform the office of the Attorney General concerning any proposed resolutions of individual complaints as to all consumers who have complaints regarding Dan Nelson Automotive Group, Inc. or SDAC on file with the office of the Attorney
General as of the Effective Date of this Agreement and thereafter. Additionally, FSB and the Attorney General agree to consult each other, as they deem necessary, in resolving problems in the future relating to consumers who have not yet filed
complaints with the office of the Attorney General. The obligations contained in this paragraph shall relate only to FSB and not to its assigns. 
  

 2 

 3. Authority of Attorney General. The Attorney General represents to FSB that it has the
power and authority to enter into this Agreement to obtain relief for the Iowa consumers affected hereby. 
  
 4. Minimum Requirements. It is recognized that FSB retains the flexibility to go above and beyond the terms of this Agreement in individual
consumer cases if it deems it necessary or desirable. 
  
 5.
Agreement to Not Collect Bad Debt. FSB represents that some of the retail installment contracts it purchased from SDAC have been charged-off. FSB agrees that it will not attempt to collect this past charged off debt, that it
will waive any deficiency judgments FSB may currently have against the parties to these retail installment contracts, and that FSB will not sell these uncollected consumer payment obligations to a third party debt collector or any other party;
provided, however, that FSB reserves the right to assert any such indebtedness, deficiency judgment or claim as an offset if such customer files suit against FSB for any reason. For the purposes of this Agreement, “charged-off retail
installment contracts” means all loans which FSB purchased from SDAC which prior to the Effective Date of this Agreement were in default and which: (i) FSB has ceased collecting; (ii) are not subject to contract reformation pursuant to this
Agreement; (iii) with respect to which FSB had repossessed the collateral securing each such loan; or (iv) have been written off by FSB without FSB repossessing the collateral securing each such loan. FSB shall be free, however, to enforce the terms
and provisions (as modified or reformed by this Agreement) of all retail installment contracts which have not been charged off as of the Effective Date of this Agreement. 
  
 6. Attorney General’s Agreement Not to Pursue Further Modification or Challenges to Contracts. In
consideration of FSB’s agreements herein, the Attorney General agrees not to pursue in the Attorney General’s lawsuit, or otherwise, further modifications or challenges to the enforceability or terms of such active retail installment
contracts owned by FSB. 
  
 7. Letter to Consumers.
As further consideration for the agreements contained herein, the Attorney General agrees to provide a letter, in the form of that attached hereto as Exhibit “A” to all consumers who are parties to the active retail installment contracts
notifying them of the benefits obtained under the terms of this Agreement. As a courtesy, the Attorney General shall allow FSB to view and make comments regarding the substance of such letter prior to the time it is distributed. FSB agrees to send
all such letters by First Class U.S. Mail at FSB’s expense. 
  
 8. Release by the Attorney General. Except for its obligations under this Agreement, the Attorney General does hereby release and forever discharge and covenant not to sue FSB, its affiliates, general partner, parent company,
and their respective 

  

 3 

 
officers, directors, employees, successors and assigns (the “Releasees”) from any claims asserted by the Attorney General against SDAC and the
other Defendants in the Attorney General’s lawsuit referenced above and further agrees not to assert claims against FSB or the Releasees as the assignee of the SDAC retail installment contracts pursuant to the FTC holder rule and Iowa Code
Section 537.3404 or any other claims relating to the enforceability or legality of such retail installment contracts as reformed. This Release shall not apply to any of the defendants included in the Attorney General’s lawsuit against SDAC
referenced above. Nothing contained herein shall constitute a release of the Releasees from any wrongful conduct occurring after the Effective Date of this Agreement or from any breach of this Agreement. 
  
 9. Scope of Agreement. It is acknowledged and agreed that this
Agreement only covers those retail installment contracts entered into in the State of Iowa, which FSB purchased from SDAC. 
  
 10. Rights of Individual Consumers and FSB. It is acknowledged by the parties hereto that this Agreement shall not constitute a waiver or
release of any individual consumer’s legal rights or remedies and that all individual consumers retain the right to bring a private cause of action provided that if an individual consumer does bring a private right of action against FSB or its
successors or assigns, FSB, and its successors and assigns, reserves the right to offset or reduce any monetary judgment obtained by the consumer with the value of the monetary benefits provided to that consumer pursuant to this Agreement. This
Agreement shall not in any event constitute a waiver of any legal right or remedy of FSB, except as expressly set forth under this Agreement, including but not limited to rights or remedies under the retail installment contracts or as otherwise
allowed under applicable law. Neither this Agreement nor anything contained herein shall constitute an admission of guilt or any wrongdoing on the part of FSB, but rather shall be construed as evidence of FSB’s willingness to cooperate
voluntarily with the Attorney General and provide certain benefits to Iowa consumers. 
  
 Dated this 12th day of September, 2005. 
  

									
	FSB FINANCIAL, LTD.	 	IOWA ATTORNEY GENERAL
	 By: FSBF, LLC, Managing
 General Partner
	 	 	 	 	 	 
				
	 By:
	 	 /s/ Steve Burke

	 	By:	 	 /s/ C. Roderick Reynolds

	 	 	Steve Burke, President	 	 	 	 C. Roderick Reynolds
 Assistant Attorney
General
	 	 
				
	 	 	 	 	By:	 	 /s/ Patrick Madigan

	 	 	 	 	 	 	 Patrick Madigan
 Assistant Attorney
General
	 	 

  
  

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