Personal Identity Protection Plan

ID Theft Facts ¹
9 million	Victims each on average
$5 Billion	Costs each year to victims
40 Hours	Victims' average time spent resolving personal identity theft
36%	Average expense savings when fraud is self-detected by victim
¹ 2006 Identity Fraud Survey Report, Javelin Strategy & Research

As you know, identity theft is one of the fastest growing crimes in the United States and continues to make news headlines every day. Yet, as widespread as it’s become, many people think it won’t happen to them. However, the truth of the matter is there are an average of nine million identity theft victims each year.

The best way to protect yourself is with a complete identity theft and credit fraud protection plan that has the following four features: unlimited access to your own credit report, credit file monitoring with timely alerts of new or unusual activity, identity theft insurance, and identity and credit restoration. Because you are a valued customer, we’ve made special arrangements with Equifax and AIG to offer you these four key features and more in two comprehensive identity theft protection plans. We encourage you to choose the plan that best suits your needs. Choose from one of the plans below. Both plans offer a no-risk 30-day money-back guarantee.

The Gold Package contains all of the essential elements you need to protect yourself from fraud, but for only $4 more per month the Gold Plus Package offers TRIPLE THE PROTECTION with the following upgrades:

Receive the Gold Package for $7.95 a month or the Gold Plus Package for only $11.95 a month. Simply complete the online enrollment to begin your membership. You will also receive your personalized program materials by mail within 2-3 weeks. Your monthly membership fee will be conveniently deducted from your account. If you have any questions about which plan is best for you, please call the Member Service Center at 1-866-933-2582. We look forward to helping you protect your most important asset - your good name.

PREVENTION
Credit Card Registration: Register your credit, debit and ATM cards with us and have the peace-of-mind of knowing your cards are protected and your liability is limited should your cards
become lost or stolen. With one toll-free phone call you will be able to cancel your missing cards, stop unauthorized use and request replacement cards. If unauthorized charges appear on your account and the card issuer holds you responsible, we will pay the amount for which you are liable.
Identity Theft Protection News and Tips: Unlimited access to the Identity Theft Education Center
offering tools and tips to help you protect your good name.

DETECTION
Automated Credit File Monitoring: Get an early alert to new and suspicious activity on your report(s) – receive comprehensive credit file monitoring and automated alerts of key changes to your Equifax credit report with our Gold Package or triple your protection with the Gold Plus Package and receive additional alerts on your TransUnion and Experian files (this service is available by email or by regular mail.)
Credit Reports: Get unlimited access to your Equifax Credit Report™ and with the Gold Plus package you can receive a 3-in-1 credit report containing the information from all three bureaus. By checking your credit report you can catch mistakes and fraud before they wreak havoc on your
personal finances and your identity.

CORRECTION
24/7 Emergency Toll-free Customer Service: Should you become a victim of identity theft, a specialist will be available to assist you right away.
Full-service Restoration†: A person can do everything right, and still become a victim of identity theft. If an identity theft occurs, we act quickly to ensure that the financial and emotional damage is kept to a minimum. Victims are assigned a Personal Recovery Advocate who manages their case from beginning to end. With the help of a Recovery Advocate, the time and stress associated with recovery are dramatically reduced.
Identity Fraud Expense Coverage†: Restoring one’s name and good credit is time consuming and expensive. Identity theft victims must endure a number of costly steps to re-establish their identities and dispute fraudulent debts and accounts opened by an identity thief. Depending on the package you select, you are protected with up to $25,000 of Identity Theft coverage to cover expenses incurred in the recovery of a stolen identity…such as lost wages, legal fees, certified mail and long distance charges. Members who fall victim to identity theft receive a customized ID Theft Recovery Kit to assist in the process of restoring identity profiles and credit records.

* Credit File monitoring services are provided through Equifax Credit Watch™ Gold. Equifax, Equifax Credit Report, and Credit Watch are trademarks of Equifax Inc. Credit Watch is protected under U.S. Patent No. 7,028,052.
† Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage not available to residents of New York and may not be available in other jurisdictions.