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Identity Fraud Financial Reimbursement

Summary of Benefits

This Summary of Benefits is provided to inform you that as a member of a
Participating Identity Protection Membership Program, that includes identity
theft insurance wherein you are entitled to benefits under the Policy as issued
to ConsumerInfo.com or CSIdentity Corporation and described in this Summary of
Benefits. Various provisions in this Summary of Benefits and in the Policy
restrict coverage. Read the entire Summary of Benefits carefully to determine
rights, duties and what is and is not covered.

This Summary of Benefits does not state all the terms, conditions, exclusions
and definitions within the Policy.  Your benefits will be subject to all the
terms, conditions, exclusions and definitions of the Policy as issued
to ConsumerInfo.com, CSIdentity Corporation or as a Participating Identity
Protection Program provider extended coverage under the Policy. A complete copy
of the Policy will be available upon request.  If the Policy is terminated, your
benefits under the Policy will cease effective that date.  It is the obligation
of your Participating Identity Protection Membership Program provider to inform
you of any termination of the Policy.

The Identity Fraud Expense Reimbursement benefit is underwritten and
administered by American Bankers Insurance Company of Florida, an Assurant
company, under a group or blanket policy issued to ConsumerInfo.com, Inc. or
CSIdentity Corporation, both Experian companies and also known collectively as
Experian Consumer Services (hereinafter, “Experian”), or its respective
affiliates for the benefit of its Members. To obtain a complete copy of the
Policy contact the customer assistance center contained in your membership
materials. .  American Bankers Insurance Company of Florida administers all
claims and is solely responsible to Members with respect to the Identity Fraud
Expense Reimbursement benefit.

All references to We, Us, and Our throughout this Summary of Benefit means
American Bankers Insurance Company of Florida.

LIMITS OF INSURANCE

Please see your participating identity protection membership program fulfillment
materials for your coverage limit per 12 Month Period

Coverage Limit of Liability Expense Reimbursement Please see your participating
identity protection membership program fulfillment materials for your coverage
limit per 12 Month Period Cash Recovery (Cash Recovery only applicable if
included in the participating identity protection membership program) Please see
your participating identity protection membership program fulfillment material
for your Cash Recovery limit.  Cash Recovery is not included in all identity
theft plans

DUTIES WHEN LOSS OCCURS

Upon knowledge or discovery of loss or of an occurrence which may give rise to a
claim under the terms of this coverage, the policyholder is responsible for
notifying the member of the following requirements:

a. Give notice as soon as practicable to:

(1) the appropriate authority and affected institutions, if applicable; and

(2) call the customer assistance number contained in your membership materials
to make a valid claim within sixty (60) days of the date of discovery, or as
soon as reasonably possible.

If the loss involves a violation of law, the member shall also notify the
police.  The member must submit a copy of the police report when filing a claim;

For Cash Recovery, the member must provide documentation from the financial
institution that the funds were fraudulently removed and are non-recoverable
from the financial institution.

b. File detailed proof of loss, duly sworn to, with us within sixty (60) days
after the discovery of loss;

c. Take all reasonable steps to mitigate loss resulting from identity
fraud including, but not limited to, requesting a waiver for any applicable
fees, loan application fees or credit bureau fees;

d. Upon our request, submit to examination by us, and subscribe the same, under
oath if required;

e. Upon our request, cooperate to help us enforce legal rights against anyone
who may be liable to the member to include giving evidence and attending
depositions, hearing and trials;

f. Immediately forward to us any notices, summons or legal papers received by
the member in connection with the loss or the identity fraud;

g. Produce for our examination all pertinent records;

h. Cooperate with us in all matters pertaining to loss or claims;  all at such
reasonable times and places as we shall designate.

The member shall not voluntarily assume or admit any liability, nor, except at
said member’s own cost, voluntarily make any payment or incur any expense
without our prior written consent, such consent not to be unreasonably withheld.

The member shall keep books, receipts, bills and other records in such manner
that we can accurately determine the amount of any loss.  At any time,
subsequent to the reporting of the loss to us, we may examine and audit
the member’s books and records as they relate to a loss under the Policy.

COVERAGE

Identity Fraud – Expense Reimbursement

We will reimburse the member for expenses and legal costs incurred by
the member, up to the Aggregate Limit of Liability as shown on the Limits of
Insurance section of their participating identity protection membership program
fulfillment materials from the direct result of the following:

 1. Fraud or Embezzlement

For loss arising out of fraud or embezzlement perpetrated against
the member, with an occurrence date during the term of the membership.

 2. Theft

For loss resulting directly from theft of property related to
the member’s information, checkbook, savings record, ATM access or securities
from the member, with an occurrence date during the term of the membership, by a
person from whom the member purchased goods or services. 

 3. Forgery

For loss, with an occurrence date during the term of the membership, resulting
directly from forgery or alteration of checks, drafts, promissory notes, or
similar written promises, orders or directions to pay money that are:

a. Made or drawn by or drawn upon the member’s account; or
b. Made or drawn by one purporting to act as the member’s

 4. Data Breach

For loss, with an occurrence date during the term of the membership, resulting
directly from the misuse of the member’s information as a result of a data
compromise of information from a financial institution, a credit reporting
agency, a credit grantor, a securities firm, employer or other
institution/company maintaining the member’s personal information, that results
in monies stolen from the member’s accounts or misuse of data to obtain
property, credit or monies using the member’s information.

 5. Stolen Identity Event

For loss resulting from a stolen identity event, including but not limited to
a stolen identity event occurring on or arising out of the use of the Internet.
The occurrence date must be during the term of the membership.  A stolen
identity event means the theft, unauthorized, or illegal use of
the member’s name, social security number, or other method of identifying the
member.

Cash Recovery

We will reimburse the member, up to the Limit of Liability as shown on the
Limits of Insurance section of the member’s identity protection membership
program fulfillment materials when this benefit has been included, a Cash
Recovery benefit limited to payment for one (1) occurrence within any twelve
(12) consecutive months of the term of the membership, for recovery of
traditional credit cards, pre-paid credit cards and debit card deductibles or in
the event of an unauthorized electronic fund transfer, reimbursement for
unrecoverable funds, exclusive of interest, directly drawn from or removed
through an unauthorized electronic fund transfer from the member’s mobile device
(smart phone) or other financial account due to an act
of fraud, embezzlement, theft, forgery or other data breach which have not been
recovered.

Cash Recovery does not cover unrecoverable funds for which the member did not
seek reimbursement from the financial institution, or other provider which
issued the access device and holds the account from which funds were stolen, and
for which the member has not received reimbursement from any other source.

The member will only be covered from an unauthorized removal of funds or an
unauthorized electronic fund transfer if the loss first occurs on or after the
effective date of the Policy under which this coverage is provided, while the
member is an active and paid member of the policyholder, and the loss is
reported to us within ninety (90) days of discovery.

The member is not covered if the unauthorized removal of funds or unauthorized
electronic fund transfer first occurs after the termination of the Policy under
which this coverage is provided, or the member is not an active member of the
participating identity protection membership program.

For Family Plans, the Cash Recovery benefit is limited to payment for one (1)
occurrence within twelve (12) consecutive months, not to exceed the Limit of
Liability as shown on the Limits of Insurance section of the member’s
participating identity protection membership program fulfillment materials, when
this benefit has been included.

The Cash Recovery benefit when included in member’s identity protection
membership program is part of, and not in addition to the Expense Reimbursement
Limit of Liability.  We will pay up to the Limit of Liability as shown on the
Cash Recovery Limits of Insurance section of member’s participating identity
protection membership program.

For Cash Recovery, account means a cash, credit card, demand deposit (checking),
savings, or money market account of the member, held directly or indirectly by a
financial institution and established primary for personal, family or household
purposes.

EXCLUSIONS

Expense Reimbursement and the Cash Recovery do not cover:

a. loss due to any fraudulent, dishonest or criminal act by the member or any
person acting in concert with the member, or immediate family member, whether
acting alone or in collusion with others;

b.loss resulting directly or indirectly from any errors or omissions occurring
in the following actions:

(1.) the input of data to any computer system; or

(2.) the processing of data by any computer system; or

(3.) the manual or electronic processing of any output produced by any computer
system;

b. loss resulting directly or indirectly from the voluntary surrendering by
the member of any access device, in whole or in part, to any person or entity;

c. loss resulting from any unintentional clerical error in the transfer from or
debit of any account of the member which is initiated by a financial
institution, or any employee(s) thereof. However, this exclusion shall not apply
to a fraudulent act of an employee(s) of a financial institution where said
employee(s) is acting without the permission or instruction of their employer;

d. loss in connection with any pre-authorized transfer from any account to or
for the benefit of a financial institution, or to any other account of
the member;

e. indirect or consequential loss of any nature;

f. loss of potential income not realized by the member;

g. loss resulting from an identity fraud that was discovered prior to the
effective date of the Policy under which this coverage is provided;

h. loss arising out of business pursuits of the member;

i. loss of valuable papers, valuable documents, jewelry, silverware and other
personal property including the philatelic value of stamps and the numismatic
value of coins not in circulation;

j. property damage, bodily injury or personal injury;

k.losses incurred from financial performance of any investment of financial
product;

l.loss from games of chance;

m.for Cash Recovery losses other than traditional credit cards, pre-paid credit
cards and debit card deductibles or unrecoverable funds, exclusive of interest,
directly drawn from or removed through an unauthorized electronic fund
transfer from the member’s mobile device (smart phone), or other
financial account.. All other monetary devices are excluded;

n. any loss, claims or damages that are not covered under the terms and
provisions of the Policy under which this coverage is provided;

o.legal fees in excess of $125 per hour;

p.any loss which occurred while the member was not an active member of
the participating identity protection membership program

DEFINITIONS

Access Device means a card (including credit, debit and ATM cards), code, PIN,
password, personal check or other similar means of access to
the member’s account at a financial institution that may be used by
the member to gain access to said account for the purpose of withdrawing or
transferring funds, making purchases, or making long distance or
cellular/digital (wireless) telephone calls.

Data Breach means the misuse of the member’s information as a result of a data
compromise of information from a financial institution, a credit reporting
agency, a credit grantor, a securities firm, employer or other
institution/company maintaining the member’s personal information, that results
in monies stolen from the member’s accounts or misuse of data to obtain credit
or monies using the member’s information.

Date of Discovery occurs when the member first becomes aware of facts which
would cause a reasonable person to assume that a loss covered by this insurance
has been or will be incurred, even though the exact amount or details
of loss may not then be known.  Discovery also occurs when the member receives
notice of an actual or potential claim against the member involving loss covered
under this insurance.

Domestic Partner means a person designated in writing by the primary member who
is registered as a domestic partner or legal equivalent under laws of the
governing jurisdiction or who:

 1. is at least 18 years of age and competent to enter into a contract;
 2. is not related to the primary member by blood;
 3. has exclusively lived with the primary member for at least twelve (12)
    consecutive months prior to the effective date of coverage;
 4. is not legally married or separated; and
 5. as of the date of coverage, has with the primary member at least two (2) of
    the following financial arrangements:

a. a joint mortgage or lease;
b. a joint bank account;
c. joint title or ownership of a home, motor vehicle or status as joint lessee
on a motor vehicle lease;
d. a joint credit card account with a financial institution.

Expenses mean:

 1. Costs incurred by the member for re-filing applications for loans, grants,
    or other credit that are rejected solely because the lender received from
    any source incorrect information as a result of the identity fraud;

 2. Costs for notarizing affidavits or other similar documents, long distance
    telephone calls, travel and postage reasonably incurred as a result of
    the member’s efforts to report an identity fraud or amend or rectify records
    as to the member’s true name or identity as a result of an identity fraud;

 3. Reasonable costs incurred by the member for up to six (6) credit reports
    from established credit bureaus (with no more than two (2) reports from any
    one credit bureau) dated within twelve (12) months after
    the member’s discovery of an identity fraud, and costs incurred for
    contesting the accuracy or completeness of any information contained in a
    credit report following an identity fraud;

 4. Payment for reasonable expenses incurred for the placement of up to twelve
    (12) credit freezes or credit thaws per 12 month period as a result of being
    notified of a data breach in which the member’s personal information was
    compromised and payment for expenses that were a result of recovery from
    an identity fraud such as; credit freeze, credit thaw costs, transcript
    costs, appeal bond, court filing fees, expert witness or courier fees;

 5. Actual lost base wages that would have been earned, for time reasonably and
    necessarily taken off work solely as a result of efforts to amend or rectify
    records as to the member’s true name or identity as a result of an identity
    fraud. Actual lost wages includes remuneration for vacation days,
    discretionary days, floating holidays, and paid personal days and excludes
    sick days, business interruption and future earnings of a self-employed
    professional. Coverage is limited to base wages within twelve (12) months
    after discovery of an identity fraud. Base wages must be supported by and
    based on the prior year tax return.

 6. Child or elderly care costs that would have otherwise not been incurred,
    resulting from time reasonably and necessarily taken away from providing
    such care as a result of efforts to amend or rectify records as to
    the member’s identity as a result of an identity fraud.

 7. Reasonable and necessary costs incurred by the member for ordering medical
    records for the purpose of amending and/or rectifying these documents as a
    result of an identity fraud.

 8. Reasonable and necessary costs incurred by member for the replacement of
    identification cards, driver licenses and passports as a result of
    an identity fraud.

 9. Reasonable and necessary costs, up to a maximum of $125 per hour, incurred
    by the member for use of any investigative agency or private investigator
    engaged to amend or rectify records as to the member’s true name or identity
    as a result of an identity fraud. We reserve the right to select such
    investigative agency or private investigator; however, with our express
    prior written consent, member may elect such investigative agency or private
    investigator.

 10. Reasonable and necessary costs, up to a maximum of $125 per hour, incurred
     by the member associated with the use of any certified public accountant
     engaged to amend or rectify records as to the member’s true name or
     identity as a result of an identity fraud. We reserve the right to select
     such certified public accountant; however, with our express prior written
     consent, member may elect such certified public accountant.

Family Member means the primary member’s spouse or domestic partner, parent,
siblings, children and/or any other member of, or dependent persons residing in
the primary member’s household.  Family member also includes a primary member’s
spouse or domestic partner’s:

 1. unmarried children (including those who the member is their legal guardian)
    under twenty-one (21) years of age.
 2. unmarried children (including those who the member is a legal guardian)
    under twenty-six (26) years of age if a full-time student at an accredited
    college or university.
 3. dependent(s) with documented disabilities who have the same primary
    residence as the member and who relies on the member for maintenance and
    support.

Any family member who does not reside at the primary member’s home is not
eligible for coverage, except unmarried children (including those who
the member is a legal guardian) under twenty-six (26) years of age if a
full-time student at an accredited college or university.

Family Plan means a membership program that: extends coverage, up to the
Aggregate Limit of Liability as shown on the Limits of Insurance section
of your participating identity protection membership program, to the primary
member and their family members and for which the Family Plan membership
fee/product fee is paid.

The Aggregate Limit of Liability shown on the Limits of Insurance section of
your participating identity protection membership program will be the maximum
amount we will pay for all covered losses per Family Plan regardless of the
number of losses that occur for any one member per twelve (12) month period.

Forgery means the signing of the name of another person or organization with
intent to deceive. It does not mean a signature, which consists in whole or in
part of one’s own name signed, in any capacity, for any purpose.

Fraud or Embezzlement includes electronic, telegraphic cable, teletype tele
facsimile, telephone or written instructions which: purports to have been
transmitted or written by the member, but which was in fact fraudulently
transmitted or altered by someone else without member’s knowledge or consent; or
received by the member which purports to have been transmitted by an employee
but which was in fact fraudulently transmitted by someone else without member’s
or employee’s knowledge or consent.

Identity Fraud means the act of knowingly transferring or using, without lawful
authority, a means of identification of the member with the intent to commit, or
to aid or abet, any unlawful activity that constitutes a violation of Federal,
State or local law.

Legal Costs means costs, up to a maximum of $125 per hour, for reasonable fees
for an attorney fees for an attorney selected by the member and related court
fees, incurred by the member with our consent, for:

 1. Defense of any legal action brought against the member by a merchant,
    creditor or collection agency or entity acting on their behalf for
    non-payment of goods or services or default on a loan as a result of
    the identity fraud;
 2. Defense of or the removal of any civil judgments wrongly entered against
    the member as a result of identity fraud; and
 3. Challenging the accuracy or completeness of any information in
    a member’s consumer credit report, medical history or tax history, as a
    result of identity fraud; and
 4. Member’s initial consultation with a lawyer to determine the severity of and
    appropriate response to an identity fraud.

Loss means the expenses and legal costs incurred by the member as the direct
result of a covered transaction.

Member means the primary member and primary member’s family member if
the primary member is enrolled in or elects a Family Plan membership program.

Occurrence means an incident of an actual or attempted fraudulent, dishonest or
criminal act or series of related acts, whether committed by one or more
persons.

Occurrence Date means the earliest possible date of discovery.

Participating Identity Protection Membership Program means an identity
protection membership program for which coverage has been extended to under a
group or blanket policy issued to ConsumerInfo.com, Inc. or CSIdentity
Corporation, both Experian companies and also known collectively as Experian
Consumer Services (hereinafter, “Experian”), or its respective affiliates, and
for which coverage has been paid by Experian.

Policyholder means  ConsumerInfo.com, Inc. or CSIdentity Corporation, both
Experian companies and also known collectively as Experian Consumer Services
(hereinafter, “Experian”), or its respective affiliates.

Primary Member means a customer who is enrolled in a Participating identity
protection membership program that includes identity theft insurance who is in
good standing:

 1. for which the primary member membership fee/ product fee has been paid; and
 2. whose name is shown on the membership.

Proof of Loss means receipts for reasonable out of pocket expenses.

Spouse means a person who is either:

 1. legally married to the primary member; or
 2. meets the definition of domestic partner to the primary member.

Stolen Identity Event means the unauthorized, or illegal use of
the member’s name, social security number, or other method of identifying
the member.

Unauthorized Electronic Fund Transfer (UEFT) means an electronic fund transfer
from the member’s account, initiated by a person other than the member without
the actual authority to initiate such transfer and from which the member
receives no benefit.

An unauthorized electronic fund transfer does not include an electronic fund
transfer initiated:

 1. by a person who was furnished the access device to the member’s account,
    unless the member had given prior notification to the financial institution
    that transfers by such person(s) are no longer authorized;
 2. with fraudulent intent by the member or any person acting in concert with
    the member;
 3. by the financial institution or its employees; or
 4. from any business or commercial account.

CONDITIONS

 1. Limits of Insurance – Our maximum limit of liability for loss under these
    Terms and Conditions shall not exceed the applicable limit stated on
    your participating identity protection membership program.

All loss incidental to an actual or attempted fraudulent, dishonest or criminal
act or series of related acts, whether committed by one or more persons, shall
be deemed to arise out of one occurrence.

Our total aggregate limit of liability shown on your participating identity
protection membership program, or the Policy if in conflict, will be the maximum
amount we will pay for all covered losses per primary member or family
plan membership, regardless of the number of losses that occur for any
one member per twelve (12) month period.

 2. Loss Payment

We will pay any loss covered under the Policy under which this coverage is
provided, within thirty (30) days after:

a. We reach agreement with the member; or

b. The entry of final judgment.

 3. 3. Notice of Claim must be given to us by the member:

a. in writing; and

b. within a reasonable time period after the date of discovery.

 4. Settlement of Claims

We will pay all covered claims within ninety (90) days from the date we receive
acceptable proof of loss at our office.

 5. Transfer of Rights of Recovery Against Others to Us – If any person or
    organization to or for whom we make payment under this insurance has rights
    to recover damages from another, those rights are transferred to That person
    or organization must do everything necessary to secure our rights and must
    do nothing to impair them.

Recovery against persons or organizations also insured under this Policy or any
other Policy issued by us with respect to the same loss is prohibited.

 6. Other Insurance – This insurance is excess in the event coverage is provided
    under any other policy/certificate.

Should member be enrolled in more than one membership program insured
by us, we will reimburse the member under each membership:

a. subject to the applicable deductibles and limits of liability of each
membership;

b. but in no event shall the total amount reimbursed under all memberships
exceed the actual amount of loss; and

c. in no event shall the limit of liability under all memberships exceed the
largest limit of liability available to the member under any membership program
insured by us.

 7. Action Against Us – No action may be brought against us unless there has
    been full compliance with all of the terms and conditions of this Summary of
    Benefits and suit is filed within twenty-four (24) months from the date of
    occurrence. No one will have the right to join us as a party to any against
    the policyholder or member.

X

VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit
score model developed by the three major nationwide credit reporting agencies,
Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not
all lenders. Higher scores represent a greater likelihood that you’ll pay back
your debts so you are viewed as being a lower credit risk to lenders. A lower
score indicates to lenders that you may be a higher credit risk.

There are three different major credit reporting agencies, Experian, TransUnion,
and Equifax that maintain a record of your credit history known as your credit
file. Credit scores are based on the information in your credit file at the time
it is requested. Your credit file information can vary from agency to agency
because some lenders report your credit history to only one or two of the
agencies. So your credit scores can vary if the information they have on file
for you is different. Since the information in your file can change over time,
your credit scores also may be different from day-to-day. Different credit
scoring models can also give a different assessment of the credit risk (risk of
default) for the same consumer and same credit file.

There are different credit scoring models which may be used by lenders and
insurers. Your lender may not use VantageScore 3.0, so don’t be surprised if
your lender gives you a score that’s different from your VantageScore. (And your
VantageScore 3.0 may differ from your score under other types of VantageScores).
Just remember that your associated risk level is often the same even if the
number is not. For some consumers, however, the risk assessment of VantageScore
3.0 could vary, sometimes.

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