OUR SOLUTIONS = YOUR SUCCESS

Integrated has over 70 experienced professionals working with our clients to help them manage and grow their businesses.

On average, small business owners spend up to (or more) 16 hours a week doing manual basic to advanced administration work. That is the equivalent of TWO full days of work.

Updated Terms of Service

I. Limited Co-Employment Relationship

The parties mutually acknowledge and agree that IES will become the co-employer of the Client’s employees; and that this co-employment arrangement will apply to those employees that Client specifically identifies on the Employee Census, including those officers, directors, shareholders, partners and managers who are employees of client and whose names appear on the Employee Census, and any new employee that Client hires, designates and identifies to IES as an employee covered by this agreement, so long as IES concurs in the employment of that employee, the appropriate new hire paperwork for that employee has been received by IES, and IES has notified Client of the acceptability of that employee. IES has the right to refuse to become a co-employer of any particular individual with notice to Client of the reasons for its refusal.

All co-employed employees are hereafter referred to as “Worksite Employees.” The co-employment relationship between IES and Client as to any particular Worksite Employee shall remain in effect only until the earliest of the Client’s notice to IES that the Worksite Employee is no longer subject to this Agreement, the termination of the employment of the Worksite Employee by either IES or Client, or the termination of this Agreement.

Client has the right to exercise the direction and control over Worksite Employees as is necessary to conduct the Client’s business, to discharge any fiduciary responsibilities which the Client has, or comply with any licensure requirements.

The Agreement will pertain to and cover only those Client employees for whom IES has timely received all onboarding information required by IES. IES’s services shall not apply to Client employees living and/or working outside of the United States, and such employees shall not be Worksite Employees.

A. Integrated Employer Solution’s PEO Service Responsibilities

IES shall provide written notice to each Worksite Employee of the general nature of the co- employment relationship between and among IES, Client and the Worksite
IES shall provide Client with a form Employee Acknowledgement for execution by each Worksite Employee, which sets forth the Worksite Employee’s understanding and agreement to the Employee’s status as an at-will employee, and Employee’s agreement to abide by various employment policies.
IES shall administer the Client’s payroll using IES’s employer identification number based on information and funds provided by the Client including: (a) paying wages and payroll taxes with respect to the Worksite Employees, (b) complying with federal, state and local income tax reporting and withholding; (c) complying with the Federal Insurance Contribution Act; complying with the Federal Unemployment Tax Act and state unemployment insurance provisions; and (e) making payments for employee benefits for covered employees.
IES shall administer and manage unemployment insurance provisions;
IES shall administer worker’s compensation claim filings and related procedures;
If and when separately agreed upon in writing, IES shall administer (as applicable) 401K, health benefits, COBRA, flexible spending account benefits, life insurance benefits and any other non-mandated employee benefits that the Parties agree that IES will provide on behalf of Client for the benefit of the Worksite Employees as itemized in the Proposal. IES shall comply with all federal and state laws applicable to the benefits provided.
IES shall provide COBRA notifications and continuation coverage, if appropriate, to terminated employees and dependents who qualify, subject to the payment provisions of Section V;
IES shall withhold, collect, report and remit required federal, state and local payroll-related and unemployment taxes including federal and state income tax withholdings, Federal Insurance Contributions Act (FICA) payments, Federal Unemployment Tax Act (FUTA) payments, and applicable state unemployment . IES will be the W-2 employer for purposes of record keeping;
IES shall complete, report and maintain payroll and benefit records, with the exception of actual hours worked which shall be maintained and verified by Client. IES shall maintain complete records of all wages and benefits paid by IES, and shall retain control of such records at a location determined solely by IES, and make such records available as required by applicable federal, state or local laws, regulations, rules or ordinances. With respect to all Worksite Employees assigned to Client’s worksite(s), Client shall have the right to copy or review all records maintained by IES;
Human Resource Consulting . To the extent requested by Client, IES may provide Human Resource consulting services to designated management employees of Client either directly or through the use of third party consultants, including providing consulting services with respect to an Employee Handbook and other personnel policies and procedures (additional fees may apply). Client expressly understands and agrees that in providing Human Resource Consulting services, IES is not providing legal advice, and IES is not providing such services as a joint employer. IES shall not be a decision maker/joint employer regarding any human resource matter. Client is responsible to consult with legal counsel as needed regarding such matters.

B. The Client's Responsibilities Under the Agreement

a. Client will comply with IES directives regarding the requirements to onboard Worksite Employees, including timely and accurate completion of the Worksite Employee Acknowledgement. Client will submit onboarding documents to IES before a newly hired employee commences work.

b. Client is solely responsible for all I-9 processes and procedures. Client will ensure that an I-9 is timely and properly completed for all new hires; retain I-9 documents for the period required by law; and update I-9s when required by law. To the extent requested by Client, IES may provide consulting information or assistance to Client regarding the proper procedures for completion of the I-9; however, Client retains sole responsibility for complying with all Form I-9 legal requirements. Where IES serves as an authorized representative of the Client for purposes of the I-9, IES does not assume liability for any immigration-related obligations. Any obligation placed upon an employer by applicable law or by Client’s decision to verify the eligibility of an individual for employment through the E-Verify program or any successor program or in any manner to utilize the E-Verify system, to the extent allowed by law, is retained solely and exclusively by Client. Any fines or other penalties resulting from Client failing to follow proper I-9 or E-Verify procedures and processes will be solely Client’s responsibility. Client will not engage in any discriminatory or other unlawful acts with respect to the I-9, E-Verify process, or immigration status.

c. Client shall record, retain, and report accurately all hours worked by Worksite Employees before the scheduled delivery of payroll, or as otherwise agreed to by IES and do so in accordance with the Fair Labor Standards Act. Client assumes full responsibility for the accuracy of such reports and shall maintain such records of hours worked for a period of seven years.

d. Client shall timely process payroll through IES for all Worksite Employees, and shall timely remit funds to IES sufficient to cover that payroll as well as any attendant expenses invoiced by IES;

e. Client shall notify IES immediately if any Worksite Employee has been injured on the job.

f. Client shall return Worksite Employees with workplace injuries to work in light-duty or modified-duty positions as appropriate, and follow other directives from Client’s workers compensation carrier.

g. Client shall notify Integrated in writing prior to commencing operations or hiring employees in any new state outside of their current operational footprint.

h. Client shall make reasonable accommodations as required by the Americans with Disabilities Act or any similar federal or state requirements.

i. Client shall place Worksite Employees returning from statutorily protected family and medical leave to the same or equivalent position from which their leaves were taken.

j. Client shall place Worksite Employees returning from statutorily protected military leave in the same position they would have been in had they not left employment.

k. Client shall notify IES immediately if Client becomes aware of a wage garnishment order, or any actual or threatened complaint, government proceeding or litigation involving compensation or benefits for Employee.

l. Client shall notify IES immediately if Client becomes aware of a complaint by any Worksite Employee, or any actual or threatened government proceeding or litigation involving any actual or perceived unlawful discrimination, harassment, or violation of any employment- related law.

m. Client is solely responsible for directing, supervising, training and controlling the work of the Worksite Employees with respect to the business activities of the Client, and is solely responsible for the acts, errors or omissions of the Worksite Employees with regard to those activities.

n. Client shall comply with all laws, regulations and governmental standards concerning employer responsibilities including, but not limited to: (a) all federal, state and local laws relating to employment discrimination; (b) the provision of all facilities, equipment and job training needed to perform services, including those necessary to comply with applicable federal and state safety and health standards; and (d) verification that Worksite Employees have any necessary licenses or permits. Client shall retain all responsibility for compliance with laws, regulations, and governmental standards impacting the Client’s business operations.

o. Client shall be solely responsible for the promulgation and implementation of policies and procedures to govern the worksite, including but not limited to those necessary to prevent misuse, destruction, misappropriation, theft or embezzlement of personal, real or intellectual property of the Client.

p. Client shall be solely responsible for the fulfillment of any duties or responsibilities Client has to a Worksite Employee under an employee contract or agreement.

q. The Client agrees that during the term of this Agreement, and for a period of 24 months following its termination, the Client will not, directly or indirectly, solicit, recruit, or hire any employee of Integrated Employer Solutions, Inc. ("IES") without the prior written consent of IES.

r. Client agrees that all Worksite Employees hired, except as otherwise set forth in a separate writing signed by an officer of the Client, the Worksite Employee, and IES, will be at-will employees. This means that the employment of the Worksite Employee may be terminated at any time, with or without cause. Likewise, the Worksite Employee may resign at any time, with or without cause. Client has the right to terminate, suspend or discipline any Worksite Employee. In taking such action, however, Client agrees to abide by all applicable federal, state, and local laws governing employment.

s. To act as the employer to all of Client’s employees and maintain any and all responsibility for the design, maintenance, compliance, and operation of employee benefit plans, whether mandatory or optional under the law.

B. Workers Compensation

a. Client will be solely responsible to secure Workers Compensation Insurance benefits for all Worksite Employees. IES will not independently secure workers’ compensation benefits for the Worksite Employees at Client’s worksite. Client may secure Workers’ Compensation coverage through IES or a carrier other than IES.

b. With regard to Workers’ Compensation and injury claims management, each party has certain duties as specified below:

i. Employee Records: Client will be solely responsible to provide its own coverage for Workers Compensation Insurance. Client’s workers compensation insurance will not cover any person(s) performing services for Client who are not covered by this Agreement and not on IES’ payroll. Client promptly shall notify IES of the employment of any new hire.

ii. Third Parties: Client agrees to require any independent contractor to provide evidence to Client of Workers Compensation coverage before the independent contractor

commences work at the Client’s worksite.

iii. Payment: IES shall make premium payments on Client’s behalf to Client’s Worker’s Compensation carrier for the Worksite Employees, and shall invoice Client for those payments.

iv. Audits: IES shall periodically do audits to review the covered Worksite Employee classification lists for each Client worksite location to determine whether covered Worksite Employees are classified properly. In the event that employees assigned to

Client have been misclassified, Client will promptly reimburse IES, upon invoice, for any charges that otherwise would have been payable by Client had such employee been properly classified.

v. Accidents: Client shall report all accidents or incidents involving Worksite Employees immediately to IES, and in no event later than twenty-four (24) hours after occurrence. IES will submit the Employer’s First Report of Injury form and any other necessary paperwork to Client’s Workers’ Compensation carrier on Client’s behalf.

vi. Certificate of Insurance: If Client secures Workers’ Compensation coverage through a carrier other than IES, Client shall provide IES a certificate of insurance showing current coverage with IES as a certificate holder.

C. Regulatory Compliance

a. Client agrees it is solely responsible for compliance with all federal, state, and local regulatory requirements relative to employment of employees and the conduct of the Worksite Employer’s business (except for responsibilities expressly and clearly attributed to IES in this Agreement).

b. Client agrees to comply with all applicable federal, state, and local laws, resolutions, rules, ordinances, and decrees concerning employment including but not limited to the following:

i. Applicable regulations found in Section 414 (m), (n), and (o) of the Internal Revenue Code (“ERISA”). Client will provide to IES written statements of its policies regarding employee benefits. Such policies will comply with all federal, state and local governmental laws and regulations. If and when applicable, Client acknowledges its obligation to amend, integrate and coordinate the terms of any existing Client- sponsored benefit plans so that IES’ plans remain in compliance with all applicable laws. Client will pay for any unpaid benefit due to employees upon the termination of this Agreement, including payment for health and life insurance premiums for all enrolled employees until the end of the month during which this Agreement is terminated and including any obligations under COBRA.

ii. The Occupational Safety and Health Act (“OSHA”) and all similar and related federal, state or local safety, health and work laws, regulations and rules, including the maintenance of all records and logs related thereto. Client will comply with these regulations at its own expense.

iii. The Immigration Reform and Control Act.

iv. The Americans with Disabilities Act. Client agrees to bear full responsibility for all costs and expenses associated with physical compliance or facilities modification or other reasonable accommodations necessary under the Act.

v. The Fair Labor Standards Act, the Family Medical Leave Act of 1993, The Age Discrimination in Employment Act, Title VII of the Civil Rights Act of 1964, the Civil Rights Act of 1991, the Equal Pay Act, Executive Order 11246 and any other federal, state or local laws, regulations, or ordinances which govern the employer- employee relationship, as may be amended from time to time. Client shall be solely responsible for any conduct, acts, or decisions occurring within the direction or control of Client as a “worksite employer” at Client’s worksite(s). IES is an equal opportunity employer. Client agrees not to discriminate against any employees on the basis of sex, race, religion, color, national origin, age, disability, veteran status or any other status protected by law, or because the employee has reported, is about to report, objects to, or is about to object to a violation of any rule, regulation or law. Client further agrees not to engage in any practice or act that constitutes unlawful harassment, whether sexual or otherwise, or to create a hostile or intimidating workplace environment.

vi. Environmental Protection Agency (EPA) regulations and any state or local equivalent regulations and any other environmental laws, regulations, rules, or ordinances applicable to Client.

vii. Government contracting provisions, including, but not limited to the Vietnam Era Veterans’ Readjustment Assistance Act of 1974, the Walsh-Healey Public Contracts Act, the Davis-Bacon Act, and the Service Contract Act of 1965.

viii. Worker Adjustment and Retraining Notification Act (“WARN”).

ix. Client has the rights and duties to act as the employer to all of Client's employees under all applicable federal, state and local laws, or regulations, maintenance, compliance, and operation of employee benefit plans, whether mandatory or optional under the law.

c. Client agrees to indemnify IES and hold IES harmless against any claims, demands, charges, causes of action or liabilities stemming from violations by Client of, or other liabilities of any kind caused in whole or in part by Client and related to, federal, state, and local laws, resolutions, rules, ordinances, and decrees.

D. Cooperation and Additional Responsibilities of the Parties

a. The services listed in this Agreement are the only services IES has agreed to provide. No other services will be provided, or implied, except as otherwise expressly agreed to in a writing signed by both parties to this Agreement and made an Addendum hereto.

b. IES will give written notice of the relationship between IES and Client to each Worksite Employee at the Clients Worksite. If for any reason this Agreement is terminated, IES will notify all Worksite Employees of the termination of this Agreement and Client shall also Notify all employees of the termination of this Agreement and shall inform them that they are no longer covered by any of IES’s benefits and services.

c. IES’s entry into this Agreement is expressly conditioned upon Client’s truthful and accurate disclosure of any and all information requested by IES before the execution of this Agreement, and upon Client’s promise to provide truthful and accurate information as requested by IES following the execution of this Agreement. Client’s failure to provide truthful and accurate information shall be a material breach of this Agreement.

II. Termination of Agreement

A. Either party may terminate the Agreement by giving 30 days written notice to the other party.

B. Either party may immediately terminate this Agreement upon written notice to the other should the other party materially breach any of the provisions of this Agreement, which includes any material breach of any promises, duties, representations and warranties contained herein, or any material failure to cooperate with the other party concerning the parties’ co-employment obligations under this Agreement.

C. Client may terminate the Agreement by giving 15 days written notice to IES of Client’s objection to an increase in IES’s rates other than pass-through rates, so long as notice is given within 15 days of any notice from IES to Client of an increase in IES’s non-pass-through rates.

D. IES may immediately terminate this Agreement upon written notice should Client: petition for reorganization or bankruptcy; close a facility or operation where employees are engaged in work under the terms of this Agreement; lay off more than twenty five percent (25%) of the work force employed under the terms of this Agreement; make a decision to go out of business without giving thirty (30) days’ notice to IES; or should IES deem itself insecure with respect to client’s ability or willingness to pay.

E. Parties’ Responsibilities Following Termination – Upon termination, Client will immediately pay any outstanding invoices. IES will notify the State of Utah and the IRS that IES no longer has the Power of Attorney for Client for tax purposes. IES will provide Client with any paperwork IES has maintained concerning Client that is necessary for Client’s transition to a new payroll provider.

III. Fees and Deposits

A. Client

a. IES reserves the right at any time during this Agreement to require Client to deposit such sums with IES as IES may determine are necessary to guarantee the performance of Client’s obligations hereunder. Any Client deposits with IES shall be held by IES in trust until their application. As authorized by statute, funds so held shall be applied by IES first to any default in Client’s payment of IES’s service fees, regardless of the stated purpose of the deposit.

b. Client specifically authorizes IES to conduct credit and background reference checks on Client, any personal guarantors and such officers of Client as IES deems appropriate.

B. Payment

a. Client will pay IES the amount invoiced at the rates specified in the Proposal, unless rates are changed in accordance with this Agreement. Client is required to pay each invoice by wire transfer, cashier’s check, or by automated clearing house arrangement in such a manner that payment in full is received by IES by 1:00 p.m. on the day the paychecks are to be distributed to Worksite Employees.

b. Payments received later than 1:00 p.m. on the pay date will be subject to a late fee of 6% of the invoice total, plus $25.00 per day after the first day until payment is received in full. An additional 6% late fee will be charged each month that the payment remains late.

c. If IES does not timely receive payment by Client, IES will pay those wages due to the Worksite Employees from IES’s funds, on Client’s behalf. In doing so IES does not waive or limit any claim it has against Client for Client’s untimely payment. Client shall fully indemnify and hold IES harmless from and against any and all claims made by employees for unpaid wages in excess of any amount paid by IES out of IES’ own funds, and from and against any and all legal fees and expenses incurred in defense of such claims.

d. Under no circumstance shall any amounts paid by IES to the Worksite Employees on Client’s behalf be deemed a loan by IES to Client; Client’s past due amounts are delinquent obligations.

e. IES and Client agree that IES has the right to unilaterally change its fees for the services it provides under this Agreement. IES shall provide Client with 30 days’ notice of any change in its service fees. IES may adjust fees without notice to Client as a result of and as a pass- through of any statutory increases in the minimum wages, employee taxes, sales tax or Workers Compensation rates, which pass-through adjustment shall be effective on the date of the mandated increase or change.

f. A Maintenance Fee of $100 will be charged on the 20th of the month if Client has not processed payroll through IES for more than sixty (60) days.

IV. Representation and Warranties

A. Client warrants and represents that entering into this Agreement does not conflict with or violate any other agreements Client has or may have with a third party.

V. Insurance

A. During the term of the Agreement, Client shall obtain and maintain in full force and effect Comprehensive General Liability insurance, with at least single limits of $300,000.

B. Client shall place IES on its CGL policy as an additional insured and shall provide IES with a Certificate of Insurance showing IES’s status as additional insured.

C. Client shall provide IES 30 days advance notice of any cancellation of or material change in Client’s insurance coverage.

D. Subrogation and Indemnification – Each party waives any claim in its favor against the other party by way of subrogation or indemnification which may arise during the term of this Agreement for any and all loss of or damage to any of its property, or for bodily injury, which loss, damage, or bodily injury is covered by insurance to the extent that such loss or damage is recovered under such policies of insurance as required herein.

VI. Indemnification

A. IES agrees to fully release, indemnify, hold harmless and defend Client from and against any and all claims, demands, judgments, costs, expenses, liabilities, losses, damages and causes of action, including but not limited to , attorney’s fees and courts costs, arising from or related to IES’s failure to comply with any federal, state or local law governing the reporting, filing, payment, or withholding of governmental obligations of Client in its capacity as employer of the Worksite Employees, including the failure to pay all workers’ compensation premiums, payroll taxes or withholding taxes. IES is relieved of this obligation, however, if Client has failed to pay all invoices from IES in full and on time. This indemnification does not apply to any form I-9s which have been completed or should have been completed for Worksite Employees currently employed by client prior to this agreement.

B. Client agrees to fully release, indemnify, hold harmless and defend IES from and against any and all claims, government sanctions, demands, judgments, costs, expenses, liabilities, losses, damages and causes of action, including but not limited to , attorney’s fees and courts costs, arising from or related to: (a) acts, errors or omissions of Client including, without limitation, any violation or breach by Client of its responsibilities or obligations under this Agreement including its responsibilities to comply with all federal, state or local laws applicable to employers; or (b) actions or incidents of negligence, tortious conduct, violation of any statute, law, or regulation, or criminal or dishonest activity attributed to the Client or any Worksite Employee.

VII. General Provisions

A. Entire Agreement – The Agreement, including the Proposal and all Exhibits attached hereto, constitutes the entire agreement between the parties with regard to this subject matter hereof and supersedes any and all agreements or representations, whether oral or written, between the parties with respect to its subject matter. Client acknowledges that it has not been induced to enter into this Agreement by any representation or warranty not set forth in this Agreement, including but not limited to any statement made by any marketing agent of IES.

B. Amendment - This Agreement may not be altered or amended except by written agreement duly executed by Client and IES.

C. Counterparts – This Agreement may be signed in one of more counterparts, each of which when executed shall be deemed an original and together shall constitute one and the same instrument.

D. Successors - The provisions of this Agreement shall be binding upon and shall inure to the benefit of the parties and their respective heirs, executors, administrators, legal representatives, successors and assigns.

E. Headings - The headings of the paragraphs of this Agreement are inserted solely for the convenience of reference. They shall in no way define, limit, extend or aid in the construction of the scope, extent or intent of this Agreement.

F. Severability – Should any term or provision of this Agreement be held to be invalid or unenforceable, the balance of this Agreement shall remain in force and shall stand as if the unenforceable part did not exist.

G. Waiver – Failure by either party at any time to require performance by the other party or to claim a breach of any provision of this Agreement will not be construed as a waiver of any other breach nor affect the effectiveness of this Agreement, nor prejudice either party in regards to any subsequent action.

H. Assignment - Client shall not transfer or assign this Agreement without the written consent of IES. Any assignment by Client without prior written content of IES shall be null and void ab initio. It is expressly understood and agreed that this Agreement may be assigned by IES at its sole discretion.

Attorney’s Fees – In the event that IES prevails in any action brought as a result of a breach or default in any provision of this Agreement, IES shall be awarded its attorney’s fees and costs incurred in such action in addition to any other relief to which IES may be entitled.

I. Notice - Any notice, request, demand or other communication required or permitted hereunder shall be deemed to be properly given when placed in writing addressed to the address first listed above, and deposited in the United States Postal Service, postage prepaid, or when delivered by facsimile to the numbers listed below and only upon evidence of such facsimile in the form of a confirmation printout.

J. Third Party Rights – This Agreement is intended solely for the mutual benefits of the parties hereto and does not create any rights of any kind in the Worksite Employees or any third party.

K. Legal Matters and Duty to Cooperate - In the event that an employee or a government agency or entity files any type of claim, lawsuit or charge against IES, Client or both, alleging violation(s) of any law or for failure to do something which is/was otherwise required by law, Client and IES mutually agree to cooperate with each other in the defense of any such claim, lawsuit or charge. IES and Client will make available to each other as required any and all documents that either party has in its possession which relate to any such claim, lawsuit or charge including the availability of persons to provide testimony. Neither party shall have the duty to cooperate with the other if the dispute is between the parties themselves. The duty to cooperate will terminate in the event either party takes a position that is adverse to the other, regardless of whether the initial dispute arose between the parties themselves. Otherwise, the parties mutually agree that this provision shall survive the termination of this Agreement and relates only to claims, lawsuits or charges that pertain to or are related to this Agreement.

L. Governing Law – This Agreement shall be governed by and construed in accordance with the laws of the State of Utah. Client hereby irrevocably submits itself to the personal jurisdiction of the courts in and for Salt Lake County, Utah or in the United States District Court for the District of Utah, unless the parties agree to mediate or arbitrate their dispute.

M. Force Majeure - IES shall not be liable to Client for any claims, costs, damages, expenses or losses caused by the interruption of IES’ services hereunder when such interruption is due to an act of God, labor dispute, or any other cause beyond IES control.

N. Intellectual Property Rights, Fidelity & Business Risks – IES shall not claim any ownership interest to any intellectual property rights incident to any and all processes, products, inventions and so on that are created or invented by a Worksite Employee. Client shall bear any and all costs associated with any copyrights or trademarks that Client chooses to obtain to protect Client’s intellectual property rights. Client accepts all risks that the Worksite Employees may prove incompetent, unskilled, untrustworthy or dishonest. Client shall have the sole responsibility to prevent or safeguard against the theft or misappropriation of valuable property by Worksite Employees.

O. Modification and Implementation – Any modifications to this Agreement must be in writing and executed by the Parties to be enforceable.

P. No Partnership – Nothing set forth here in shall be deemed to create a partnership or joint venture between the Parties and no fiduciary duty shall arise from the relationship created herein.

Q. This Agreement may not be altered or amended except by written agreement duly executed by Client and IES, with the exception of any alteration or amendment to this Agreement sent by IES to Client in writing, in a manner in which proof of delivery can be established. Such alteration or amendment shall be deemed to have amended this Agreement and to have been accepted by Client if no written objection is received by IES within fourteen (14) days of Client’s receipt of IES’s notification of change. Proof of IES’s receipt of any objection must be provided by Client upon request.

VIII. Authorization to Obtain Consumer Credit Report / History

The undersigned hereby consent(s) to Integrated Employer Solutions, Inc. use of a non-business consumer

credit report on the undersigned in order to further evaluate the credit worthiness of the undersigned as principal(s), member(s), partner(s), proprietor(s), and/or guarantor(s) in connection with the extension of business credit as contemplated by this credit application. The undersigned hereby authorize(s) [name of creditor] to utilize a consumer credit report on the undersigned from time to time in connection with the extension or continuation of the business credit represented by this credit application. The undersigned as [an] individual(s) hereby knowingly consent to the use of such credit report consistent with the Federal Fair Credit Reporting Act as contained in 15 U.S.C. § 1681 et seq.