Online Brand Ratings - Corporate Identity Theft, Phishing & Operational Risks The Online Brand Rating™ is 1 of the 5 parts of the IP Governance Operational Risk Management, Quantification and Rating model described on the home page of IPGovernance.com, a service of the IP Governance Task Force. The Online Brand Rating model measures exposure to current and future corporate identity fraud, including phishing, based on GLBA 501(b) Information Security Standards. Corporate identity fraud is defined as confusingly similar domain names, owned or available for registration by unauthorized parties, that seek to deceive, divert and/or defraud consumers. Metrics for determing domain names at risk include relevant trademark rights and historical Uniform Domain Name Dispute Resolution Policy cases. Brands that have significant exposure to corporate identity fraud earn the "F" Online Brand Rating. Brands that have minimal exposure to this class of risk earn the "A" Online Brand Rating. The purpose of the Online Brand Rating is to help: (1) Boards of Directors and C-Level executives measure the effectiveness of their Information Security Program for IP Governance. (2) Consumers understand the degree of exposure for bank brands to corporate identity theft, a source of terrorism funding. Online Brand Ratings are available online as a Pillar 3 service under Basel II. Pillar 3 is designed to provide disclosures on operational risk profiles, in this case, on IP information security risks.

Online Brand Ratings Ratings provided for banks, credit unions, credit card firms, data brokers and publishers. Ratings based on Publicly Available Information.

Protecting Consumers Online Organizations that have earned an "A" Online Brand Rating

News articles on phishing, corporate identity fraud and consumer vulnerabilities are posted here.

A full description of the Online Brand Rating model is online: http://onlinebrandrating.com


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For more information about the Online Brand Rating and IP Governance Audit, including a customized report for your firm, please contact info@trademarkbots.com.

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Horizon Bancorp - Online Brand Rating: F17 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

Horizon Bancorp - (NASDAQ:HBNC) The F17 Online Brand Rating indicates Horizon Bancorp's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

MutualFirst Financial, Inc. - Online Brand Rating: F12 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

MutualFirst Financial, Inc. - (NASDAQ:MFSF) The F12 Online Brand Rating indicates Mutual Federal's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Lincoln Bancorp - Online Brand Rating: F18 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

Lincoln Bancorp - (NASDAQ:LNCB) The F18 Online Brand Rating indicates Lincoln Bank's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

United Bancorp, Inc - Online Brand Rating: F3 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

United Bancorp, Inc (NASDAQ:UBCP) - The F3 Online Brand Rating indicates United Bancorp's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

First Security Group - Online Brand Rating: F11 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

First Security Group - (NASDAQ:FSGI) The F11 Online Brand Rating indicates FSG Bank's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Community Trust Bancorp, Inc. - Online Brand Rating: F16 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

NASDAQ CTBI - The F16 Online Brand Rating indicates Community Trust's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Irwin Financial Corporation - Online Brand Rating: F17 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

NYSE IFC - The F17 Online Brand Rating indicates Irwin Financial's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-inthe-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Chemical Financial Corporation - Online Brand Rating: F17 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

NASDAQ CHFC - The F17 Online Brand Rating indicates Chemical Bank's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

MBT Financial - Online Brand Rating: F13 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

OTC MBTF - The F13 Online Brand Rating indicates MBT Fiancial's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Monroe Bancorp - Online Brand Rating: F13 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

NASDAQ MROE - The F13 Online Brand Rating indicates Monroe Bancorp's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Pinnacle Financial Partners - Online Brand Rating: F12 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

NASDAQ PNFP - The F12 Online Brand Rating indicates Pinnacle's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

First Merchants Corporation - Online Brand Rating: F21 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

First Merchants Corporation - (NASDAQ:FRME) The F21 Online Brand Rating indicates First Merchant's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Midfirst CU - Online Brand Rating: F14 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

Midfirst CU - The F14 Online Brand Rating indicates Midfirst's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Regions Financial - Online Brand Rating: F15 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

NYSE RF - The F15 Online Brand Rating indicates Region's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Compass Bancshares, Inc. - Online Brand Rating: F18 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

Compass Bancshares, Inc. - (NSADAQ:CBSS) The F18 Online Brand Rating indicates Compass's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Colonial BancGroup, Inc. - Online Brand Rating: F21 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

Colonial BancGroup, Inc. - (NASDAQ:CBSS) The F21 Online Brand Rating indicates Colonial's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

SunTrust Banks - Online Brand Rating: F16 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

NYSE STI - The F16 Online Brand Rating indicates SunTrust's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Lakeland Financial Corporation - Online Brand Rating: F4 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

Lakeland Financial Corporation - (NASDAQ:LKFN) The F4 Online Brand Rating indicates Lake City Bank's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks, and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.

Old National Bancorp - Online Brand Rating: F12 as of 3-5-07: Brand Exposure to Phishing and Operational Risks

Old National Bancorp - (NYSE:ONB) The F12 Online Brand Rating indicates Old National Bank's online brands have significant exposure to corporate identity fraud, contrary to GLBA, that includes fake web sites owned by 3rd parties. These are attempting to deceive, divert and possibly defraud online consumers. In a worst case, these may enable phishing, man-in-the-middle attacks and malware, which are federal crimes. Details, including IP Governance standards, are available at http://onlinebrandrating.com/ Posted by TrademarkBots.com, Inc. based on publicly available information.