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Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can now request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

Equifax, Experien, and Trans Union, the three national credit reporting agencies, have set up a special website where you can request your free annual credit report. The website is www.AnnualCreditReport.com and is the only authorized site to request your free credit report. You may also request your report by calling toll free 877-322-8228 or write to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281

The three nationwide consumer credit reporting agencies have always encouraged consumers to regularly review their credit reports. AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment or by telephone or mail.

AnnualCreditReport.com is the only service authorized by Equifax, Experian and TransUnion for this purpose. Please note that, as a security precaution, consumers should never provide their personal information to any other company or person in connection with requesting free annual credit reports under the FACT Act. AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.

National Consumer Credit Reporting Agencies

Equifax
Equifax Inc. (NYSE: EFX) is a global leader in turning information into intelligence. For businesses, Equifax provides faster and easier ways to find, approve and market to the right customers. For consumers, Equifax offers easier instantaneous ways to buy products or services, and better insight into and management of their personal credit. Headquartered in Atlanta, Equifax reported annual revenue of over $1.2 billion in 2003, and employs over 4,500 employees in 12 countries in North America, Latin America and Europe. Equifax. Information That Empowers. For more information, please visit www.equifax.com.

Experian
Experian is a global leader in providing information solutions to organizations and consumers. It helps organizations find, develop and manage profitable customer relationships by providing information, decision-making solutions and processing services. It empowers consumers to understand, manage and protect their personal information and assets. Experian works with more than 50,000 clients across diverse industries, including financial services, telecommunications, health care, insurance, retail and catalog, automotive, manufacturing, leisure, utilities, e-commerce, property and government. Experian is a subsidiary of GUS plc and has headquarters in Nottingham, UK, and Costa Mesa, California. Its 12,000 people in 26 countries support clients in more than 60 countries. Annual sales exceed $2.5 billion. For more information, please visit www.experian.com.

TransUnion
TransUnion is a leading global information solutions company that customers trust as a business intelligence partner and commerce facilitator. TransUnion offers a broad range of financial products and services that enable customers to manage risk and capitalize on market opportunities. The company uses leading-edge technology coupled with extensive analytical capabilities to combat fraud and facilitate credit transactions between businesses and consumers across multiple markets. Founded in 1968, Chicago-based TransUnion employs 4,100 associates that support clients in 29 countries. For more information, please visit www.transunion.com.