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Coverage Scope The Master Policy provides benefits to you only if you report an Incident to Identity Fraud, Inc. by calling 1-866-394-8804 as soon as you become aware of an Incident and in no event later than ninety (90) days after you first learn of the Incident. Upon contacting Identity Fraud, Inc., VRS Elite case specialists will assist in the resolution of your case and facilitate the submission of insurance claims, if any. You will only be covered if an Incident first occurs while you are actively covered under the Master Policyholder’s policy and the Incident is reported to Identity Fraud, Inc. during your active enrollment. You will not be covered if the stolen identity event first occurs after termination of the Master Policy or termination of your qualified status under the Master Policyholder’s program. Limits Of Insurance The most the Master Policy shall pay you are the Limits of Insurance shown herein. All Legal Costs shall be part of and subject to the Aggregate Limit of Insurance. LEGAL COSTS ARE PART OF, AND NOT IN ADDITION TO, THE LIMIT OF INSURANCE. The Lost Wages Limit of Insurance shown herein is a sub limit of the Aggregate Limit of Insurance and is the most the insurer shall pay you for lost wages. Other Insurance In the event there is other insurance that may apply to any Expenses covered, this insurance shall provide coverage pro rata based upon the policy’s respective limits of liability with such other insurance and excess of any applicable deductibles thereto. Duplicate Coverages Should you be enrolled in more than one protection program insured by the same insurer of this Master Policy, or any of its affiliates, you will be reimbursed under each program subject to the applicable deductibles and limits of liability of each insured program but in no event shall the total amount reimbursed to you under all programs exceed the actual amount of loss.

for billing questions about your service, or to report an incident of fraud, please call

(1-866-394-8804) as soon as you become aware of an Incident and in no event later than ninety (90) days after you first learn of the Incident.

Benefits Summary Family Identity Theft Restoration $25,000 Identity Theft Insurance Limit Identity Cyber Monitoring Stolen Credit Card Assistance Family Legal Plan

Upon contacting Identity Fraud, Inc., VRS Elite case specialists will assist in the resolution of your case and facilitate the submission of insurance claims, if any.

Exclusions There shall be no coverage for exclusions identified in the Master Policy, which are summarized as follows: i. Any expenses arising out of or relating to physical injury, disability, sickness, disease, mental injury, shock, mental anguish, emotional distress, mental or physical incapacitation, required care, loss of services, or death. ii. Any expenses arising from the theft, wrongful use, or unauthorized use of a business name or other means of identification or business pursuits. iii. Any expenses arising out of or relating to any fraudulent, dishonest or criminal act actually or allegedly committed by you or any person acting in concert with you.

PREVENT | PREPARE | RESPOND Identity Fraud, Inc. TOLL FREE : (866) 394-8804 CA License No. 0D40585

iv. Any legal action or suit other than those set forth above. v. Any damages, loss, or indemnification unless otherwise stated herein or as stated in the Master Policy. vi. Any expenses arising out of or relating to pollutants, terrorism, war, civil war, or nuclear reaction. vii. Your failure to adhere to your Obligations as noted in this summary or the Master Policy.

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