 TITLE: What Is a Firm Offer of Credit and Why Does It Matter? CONTENT: Can You Opt Out of Credit Card and Loan Offers?\n-----------------------------------------------\nYes, you can opt out of unsolicited credit offers for a five-year period or permanently by calling the toll-free number 1-888-5-OPT-OUT (1-888-567-8688) or visiting www.optoutprescreen.com.\nChoosing to opt out of this list should stop you from receiving any prescreened offers. If you decide to opt out, you may need to provide your Social Security number, date of birth and your home telephone number. If you change your mind, you can call the same number or site and request to opt back in. END