IDENTITY RECOVERY SERVICES

All named account holders on covered accounts and their 3G family members have access to the services described below.

The benefits are already working for you without any additional registration.

Fully Managed Identity Theft Recovery

If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Professional, dedicated Recovery Advocates are standing by and depending on your identity fraud incident, will be prepared to:

• Perform research to determine the extent of the problem, including a review of your credit report

• Provide instruction for the placement of fraud alerts and credit freezes with the three major credit bureaus

• Write letters and make calls on your behalf to dispute fraudulent information

• Coordinate with government agencies, financial institutions, creditors, and others to resolve incidents

• Create and then maintain a case file to assist law enforcement in the prosecution of the perpetrators

• Request the removal of fraudulent records to assist in recovering your identity to pre-theft status

This service covers all types of identity theft, even if it is not related to your account with us. This service is available to all persons named on your account and extends to three generations of your family members. Family members include you, your spouse or domestic partner, your dependents with the same permanent address, any IRS-qualified dependents, and your parents (mother or father) with the same permanent address, or who are registered in a senior assisted living facility, nursing home, or hospice. Services continue up to 12 months after death for all family members.

Lost Document Replacement - If you have an important document that has been lost, stolen or destroyed as a result of an identity theft incident or information compromise, a professional Recovery Advocate will work with you to replace your missing documents, including credit or debit cards, birth certificate, passport, professional licenses, driver’s license, etc. Your Recovery Advocate also will work with you to contact creditors, cancel the compromised information, and obtain replacement documents.

Identity Theft Expense Reimbursement Insurance – up to $25,000

Identity Theft Expense Reimbursement Insurance is available to cover out of pocket expenses incurred during the identity recovery process up to a maximum of $25,000*. Examples of covered expenses include attorneys’ fees, costs of additional credit reports, long distance telephone calls, postage and handling fees, fees for notarizing affidavits, and document and filing fees for grants or credit applications rejected as a result of a stolen identity event. Lost wages due to time off from work are also covered up to $500 per week for up to four weeks.

View your Identity Theft Expense Reimbursement Insurance Evidence of Coverage.

Obtain a copy of the specific Evidence of Coverage with your Program Sponsor.

ENTITLEMENT TO CREDIT MONITORING **

All primary (first named) account holders on covered accounts have access to the service described below.

This benefit is available to you if you choose to register and activate the service.

One Bureau Credit Monitoring

Credit monitoring watches for new credit activity in your TransUnion® credit file, including credit inquiries, new credit lines, derogatory credit, name changes, and address changes. It provides alerts of changes via email and optional SMS text message so you can confirm whether or not the activity is yours or possible identity theft. Credit monitoring is activated once you complete the registration process.