9.__Explanation of process.__If a consumer requests a security freeze pursuant to this section, the consumer reporting agency shall disclose to the consumer the processes of placing and temporarily lifting a security freeze and the process for allowing access to information from the consumer report for a specific party or period of time while the security freeze is in place.__A consumer reporting agency shall provide a sample copy of the agency's disclosure form to the administrator at the first annual registration or reregistration under section 1328 following the effective date of this section and any time there is a material change in the disclosure form required by this subsection.

10.__Duration of freeze; removal.__A security freeze must remain in place until the consumer requests that the security freeze be removed.__A consumer reporting agency shall remove a security freeze within 3 business days of receiving a request for removal from a consumer who provides:

A.__Proper identification; and

B.__The personal identification number or password provided by the consumer reporting agency pursuant to subsection 3.

11.__Proper identification.__A consumer reporting agency shall require proper identification of the person making a request to place or remove a security freeze.

12.__Exceptions.__The provisions of this section, including the security freeze, do not apply to the use of a consumer report by the following:

A.__A person or person's subsidiary, affiliate, agent or assignee with which the consumer has or, prior to assignment, had an account, contract or debtor-creditor relationship for the purposes of reviewing the account or collecting the financial obligation owing for the account, contract or debt or extending credit to a consumer with a prior or existing account, contract or debtor-creditor relationship, subject to the requirements of section 1313-A.__ For purposes of this paragraph, "reviewing the account" includes activities related to account maintenance, monitoring, credit line increases and account upgrades and enhancements;