4 - NATIONAL CREDIT REPORTING AGREEMENT_2019-07-02

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EXHIBIT 1 Complinnee We perform all of our services under the guidelines and regulations of the Fair Credit Reporting Act. National Credit Reporting furnishes credit history reports as obtained from the nationwide credit bureaus (Experian, Equifax, TransUnion). These nationwide credit bureaus have implemented policies and procedures in accordance with the FACT Act. Therefore, the reports provided by NCR members meet these provisions through account number truncation, masking, fraud alerts, consumer statements, and personal identifier discrepancy alerts. Training National Credit Reporting's sales and marketing representatives conduct small or large group Web -ex trainings as needed Free of charge to provide education about report request procedures, report format education, services and report access options. Each staff member will be provided a training packet to include detailed request procedures for accessing reports via our internet web - site and instructions for reading various reports. Turnaround Time NCR services are available via our website 24 hours, 7 days a week. It is extremely rare that NCR's system is unavailable due to NCR's having two different websites. Our technical staff is housed in the same headquarters building and are readily available as needed. Historically, down time has not exceeded 60 minutes, occurring less than 2 times annually. NCR's criminal record searches are matched to the personal information provided by your prospective resident. This search ensures that you will receive accurate and comprehensive information regarding your applicant. The average turnaround time for a criminal background check once submitted to NCR is 24 hours. As a leader in the tenant screening industry, we know a prospective tenant's background history is the most important indicator of their future behavior in your property. This is why NCR does not just send out instant results that are matched ONLY to the applicants first name and last name as this often leads to a number of "false positive" hits on your applicant's reports. Instant criminal record databases, in particular, often contain a variety of errors. We believe at NCR it is better to verify and confirm (a little extra time) the information, which leads to a more thorough and accurate report (which helps minimize fraud and lawsuits). Also, our county criminal searches are conducted in the county in which the applicant has lived. While some products and services require a more extensive review of data to complete, many of the products and services we offer instant or near -instant turnaround such as our Credit, Social Security Verification and Eviction searches. 4-15