After careful consideration and discussions with industry partners, we have decided to end our affiliation with the Get Checking program effective December 31, 2008, at which point we will cease noting consumer files with information on the completion of the Get Checking program.

Get Checking was launched in an effort to provide consumers access to financial services despite past difficulty in managing personal finances. While we remain committed to helping consumers find access to needed financial services, recent studies of consumer activity following completion of the Get Checking program point to significant deterioration in performance objectives of successfully managing a checking account after program completion. This, coupled with the proliferation of our scored account decisioning products¯which are better able than legacy products at helping institutions open more accounts and manage the associated risk at an account level¯led to our decision to no longer participate in the Get Checking program.

We will continue to support the existing network of Get Checking educators and accept course completion information for consumers through the end of 2008. The QualiFile and New AccountChex products, which are able to utilize the Get Checking course completion data, will continue to do so through the one-year expiration period of the data.