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Premier Program Service Description:

ITA treats each “Identity Theft” as an emergency and performs, for the Covered Member duly enrolled in the “Premier Program”, any or all of the following steps necessary to attempt to undo or prevent further damage upon receipt, by the Covered Member, of a duly completed and executed “Authorization Form”.

Eligibility:

All services listed below except where otherwise noted are available to the Covered Member, spouse/domestic partner, children age 21 and under living with the Covered Member, and children age 24 and under who are full-time students.

Services:

1. Obtain all pertinent credit information and history in “Real Time” while the Covered Member is on the phone to determine if a fraud or theft has occurred. For the purpose of the “Full Service Voluntary Program”, the term “Real Time” shall mean in rapid and current time.

2. Educate the Covered Member on how Identity Theft occurs and inform him or her of protective measures to take to avoid further occurrences.

3. Provide the Covered Member with a helpful ID Theft Resolution Kit.

4. Provide the Covered Member with a uniform ID Theft Affidavit (“Affidavit”), answer any question with regard to completing the Affidavit and submit the Affidavit to the proper authorities, credit bureaus, and creditors.

5. Obtain list of creditors in “Real Time” to be contacted and contact them with separate itemized fraudulent account statements for each fraudulent occurrence.

6. Report or assist the Covered Member reporting the fraudulent activity to the local authorities and forward a report of the said fraudulent activity to the Covered Member’s creditors.

7. Notify or assist the Covered Member notifying the fraud department of the Covered Member’s creditors.

8. Notify all three major credit-reporting agencies to obtain a free credit report for the Covered Member and place an alert on the Covered Member's records with the agencies, and obtain a list of additional creditors from them.

9. Provide access to the Covered Member for triple bureau credit monitoring services for every year that the Covered Member is enrolled in the program. Only main Covered Member will be eligible for the credit monitoring services. Other household members can purchase for a reduced price.

10. Place a “security freeze” on the Covered Member credit records, in states where such law was passed.

11. Notify local authorities of the ID Theft incident and help the Covered Member to obtain and complete necessary reports.

12. Submit “Authorization Form” and Affidavit to the Covered Member’s creditors requesting cancellation of their card(s) and an issuance of a new one(s).

13. If other forms of identification were stolen or missing, such as an ATM card, Driver's License, Social Security Card, Passport and so forth, notify or assist the Covered Member notifying the appropriate bank or agency of the situation so that they may take appropriate action and reissue a new form of identification.

14. Provide the Covered Member with assistance in filing or submitting paperwork for special Id Theft Protective measures, specific to his or her state of residence.

15. If the Identity Theft Affidavit proves that the Covered Member is a victim of Identity Theft, ITA shall provide access to fraud monitoring to that Covered Member for one year to include:

• National Criminal Report & Alerts
• Sex Offender Report & Alerts · Postal Change of Address Report & Alerts
• Address History Report & Alerts · Names & Aliases (names attached to social) Report & Alerts
• Pay-Day Loan / Non-Credit Loan Report & Alerts
• Internet Monitoring using CyberAgentTM technology Report & Alerts

16. Translate whenever necessary such as when caller is overseas and needs help communicating with the local police in order to file a report of an Identity Theft incident.

17. Provide emergency cash advance (up to $500) when theft occurs 100 miles or more away from primary place of residence. Such cash advance shall be secured by a valid credit card. Any advance made to the Covered Member, not otherwise secured by a valid credit card and paid to ITA by the credit card company within 30 days of such advance has to be reimbursed by the Covered Member to ITA within 30 days from the date such advance is made. Thereafter any amount due will earn interest at a rate of 1.5% per month. Notwithstanding anything to the contrary herein, ITA shall be under no obligation to advance funds not otherwise secured by a valid credit card.

18. On a weekly basis, until file is closed, contact the Covered Member with an updated status report.

19. When needed, follow up with creditors to ensure that the matter has been properly handled.

20. If required, ITA will contact on the Covered Member’s behalf or refer the Covered Member to a qualified ITA-approved service provider who will: · Perform legal document review.

• Determine legal action to take against creditors or how to work with credit bureaus if creditors are not cooperative in removing fraudulent entries from the Covered Member’s credit report(s).
• Offer unlimited telephone access 24/7 to Master level consultants to help the Covered Member alleviate the stress and anxiety caused by Identity Theft.
• Arrange access, when needed, to up to three in-person sessions with a professional in our national network of Behavioral Specialists to help the Covered Member deal with the emotional trauma of Identity Theft.
• If further steps are required, the Covered Member shall be put in contact with a Fraud Resolution Specialist. These specialists are qualified legal professionals recognized for expertise and professional skill level with one or more of the following credentials: licensed attorney, practitioner with Masters level or certification in Dispute Resolution or Fair Debt Credit Practices Certification, experience in prosecuting criminal acts or over five years relevant legal experience.

Note: ITA does not guarantee that its intervention on behalf of the Covered Member duly enrolled in the ITA will result in a particular outcome or that its efforts on behalf of the Covered Member will lead to a result satisfactory to the Covered Member.

ITA Services do not include, and ITA shall not assist the Covered Member for thefts involving non-US bank accounts.

Definitions:

A. "Covered Member" means a person age 18 or older who has been enrolled in the ID Theft Assist Service.

B. "Domestic Partner" means anyone living in a domestic partnership with a Covered Member as a relationship between two cohabitating people unrelated by either blood or marriage, regardless of gender, who are over the age of 18, share the common necessities of life, and have resided together for at least 6 months prior to subscribing to our product, who share responsibility for the common living expenses of food, shelter, and medical care and are not in any marriage or domestic partnership and/or civil union with another person. In the cities and or states where domestic partnership registers are available, enrollees need to be registered in order to be covered by the family option.

C. “Household Members” means the Covered Member; spouse or Domestic Partner; children age 21 or under who live with the Covered Member; and children age 24 or under who are full-time students.

Limitations & Exclusions

A. Coverage does not start until the first (1st) of the following month once confirmation of payment is received.

B. Any identity thefts or incidents discovered by the Covered Member prior to service effective date is ineligible for service.

C. The services of ITA are available in most countries except Afghanistan, Somalia, Eritrea, Yemen and Eastern Timor. ITA reserves the right to update the list of countries in which its services are not available. It is the responsibility of the Covered Member to inquire whether a country is "open" for assistance prior to his or her departure and during his or her stay. In the event a Covered Member travels in any area not listed above, ITA will endeavor to provide its services to the best of its ability.

D. ITA cannot be held responsible for failure to provide, or for delay in providing services when such failure or delay is caused by conditions beyond its control, including but not limited to labor disturbance and strike, rebellion, riot, civil commotion, war or uprising, nuclear accidents, natural disasters, acts of God or where rendering service is prohibited by local law or regulations.

E. All sales are final. Any Covered Member canceling during the term of coverage will not be refunded. However; service will continue until the renewal date even after cancellation notice.