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Identity theft and fraud prevention services, namely, providing notification of potential or actual identity theft by monitoring internet websites, message boards, chat rooms, blogs, newsgroups and other online locations for the appearance of user-specified data; on-line social networking services; Title monitoring and fraud prevention services to protect owners from fraudulent transfers or encumbrances of their property; Fraud and identity theft protection services; Lost property return; Personal reminder services in the area of upcoming important dates and events; Personal concierge services for others comprising making requested personal arrangements and reservations, running errands and providing customer specific information to meet individual needs, all rendered in business establishments, office buildings, hotels, residential complexes and homes or at a distance via the Internet; Providing user authentication services in e-commerce transactions; Emergency roadside assistance services, namely, opening of locks