In the event that information from the report is utilized in whole or in part in making an adverse decision with regard to your potential employment with Triad Bank, before making the adverse decision, we will provide you with a copy of the consumer report and a description in writing of your rights under the federal Fair Credit Reporting Act. In connection with your application for employment with Triad Bank, we may verify information concerning your education, previous employment, character, criminal history, general reputation, personal characteristics, and mode of living.