SECURITY PROGRAMS OVERVIEW

Security against credit fraud and identity theft is a high priority for today's consumers. Identity theft continues to be the fastest-growing white-collar crime in the U.S. In 2006, more than 10 million Americans were victimized by identity fraud, and statistics suggest that one in 20 American consumers may have their identities stolen this year.

In response to the growing tide of personal information being stored in commercial databases, Adaptive Marketing, a Vertrue subsidiary, has created a variety of programs featuring privacy and security safeguards and benefits. These programs make it as easy as possible for consumers to access, monitor and manage their personal information, particularly in the area of credit reports.

Among the benefits that members of these security programs can use to protect their identities, credit histories and other personal information are:

• Identity theft insurance, unlimited access to credit reports and scores from all three major credit bureaus, and a credit monitoring service
• Easy access to medical information records, Social Security earnings and even driving records for most states
• Discount rates for legal and financial consultation services

These security programs also offer members automatic weekly credit and fraud alerts to help them identify unauthorized activities and restore a stolen identity as quickly and efficiently as possible.

As the information age progresses, we will continue to seek out new products and services that help consumers to protect the people and assets that matter most to them.