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FOREWARN, LLC (“FOREWARN”) is not a “consumer reporting agency” and its services do not constitute “consumer reports,” as these terms are defined by the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (“FCRA”) or similar state statutes. Accordingly, FOREWARN services may not be used in whole or in part as a factor in establishing an individual’s eligibility for credit, insurance, employment, or any other eligibility purpose permitted by the FCRA.