HOME CREST INSURANCE SERVICES, INC.

Membership services, namely, promoting the goods and services of others for prescriptions, medical, insurance, pet insurance, accidental death insurance, accidental dismemberment insurance, disability and credit insurance and annuities, and dental and vision care via print, audio, audio-visual, Internet, broadcast and electronic media; administration of discount programs for enabling participant members to obtain discounts on dining, hotel accommodations, travel and other leisure activities, and consumer merchandise; providing referrals for consumer fraud, identity theft prevention, and privacy protection products and services; providing information on monitoring credit inquiries and consumer credit reports and providing an alert as to any changes therein; providing a referral network for legal services; providing consumer product and service information via the Internet; promoting the goods and services of others through the distribution of consumer coupons via the Internet; and providing the foregoing services electronically and via interactive websites by means of the Internet