Charge Authorization:
I am enrolling in ID Advantage Plan, offered by the Affinion Benefits Group. I authorize you to bill the $8.95 monthly membership fee to the credit or debit card (or to the related checking account) I provide. If I wish to cancel, I can call toll-free 1-800-251-2311. I can cancel my benefits at any time and will not be billed for any additional months. I understand that I will be notified of any price increase and may cancel my membership if I do not want to continue to be billed at the new price. By entering my information and clicking "Yes", I acknowledge that I have read and agree to the offer details and product disclosures, and it constitutes my electronic authorization to the Affinion Benefits Group for billing of the monthly membership fee without my having to do anything further.

If your program includes insurance, please review and print your Insurance Coverage Document by clicking on the insurance benefit once you have completed the enrollment process. If you prefer to have your document mailed to you, please contact Member Services at 1-800-251-2311.

INSURANCE DISCLOSURE: Insurance Products are not a deposit, not FDIC Insured, not insured by any federal government agency, not guaranteed by the bank.

*Card Patrol^SM - Monitors up to ten registered credit/debit cards and your Social Security number on the Internet, based on an extensive search of Internet chat rooms; however, it is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise You of all your personal information that is publicly available or that may have been compromised.

*Credit Alert^® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert service may be modified or improved at any time and without prior notice. Credit Alert is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, certain derogatory information, accounts, public records or change of address that have been added to their credit reports as reported by one of the major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert service, or its credit information subcontractors, nor Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert^® reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.

Your rights under the Fair Credit Reporting Act (FCRA). Under the FCRA, you have the right to request a free credit report once every twelve months from each of the nationwide consumer reporting agencies. You can request your report from each reporting agency at the same time, or at separate times, in three ways. Go to http://www.annualcreditreport.com and either complete the order form online, or print out and complete the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Or call toll-free 1-877-322-8228 and request a report.

*Fraud Assist Toolbox - Your rights under the Fair Credit Reporting Act (FCRA). Under the FCRA, you have the right to request a free credit report once every twelve months from each of the nationwide consumer reporting agencies. You can request your report from each reporting agency at the same time, or at separate times, in three ways. Go to http://www.annualcreditreport.com and either complete the order form online, or print out and complete the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Or call toll-free 1-877-322-8228 and request a report.

*Payment Card Protection - Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly.

**For Emergency Cash Advance and Emergency Airline Tickets you will be invoiced within 30 days of your request for the amount of the cash and/or cost of the airline ticket.

IMPORTANT NOTICE: YOUR LIABILITY FOR FRAUDULENT CHARGES UNDER FEDERAL LAW:
For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss, and if the credit card contains a means of identifying the cardholder or authorized user, then your liability for unauthorized use of your card before the card issuer is notified is no more than $50.00 on each card.
For debit and cash-machine (ATM) cards: Your liability for unauthorized use of your card is no more than $50.00 if you notify the card issuer of card loss within two business days after you learn of the loss of the card. After that, your liability is up to $500.00, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the two business day period. In addition, if you do not notify the card issuer within 60 days after a periodic statement showing unauthorized transfers is sent to you, then you will also be liable for the amount of unauthorized transfers that occurred after the 60-day period and before notice to the card issuer, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the 60-day period. Your card issuer's liability policy may provide for lesser liability amounts than indicated above. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable. Nothing set forth in your membership materials alters any rights you may have under federal or state law with respect to unauthorized or erroneous transactions on your card accounts. You are not required to have this service to maintain your credit, debit, or ATM cards.

*Identity Theft Insurance with Fraud Assistance - Identity Theft Insurance is offered through Virginia Surety Company, Inc. Please click here for complete details of coverage, limitations, and exclusions. Don't have Adobe Acrobat Reader? Click here to download.