Zander Identity Theft Solutions Benefits Summary and Terms of Service

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1 Zander Identity Theft Solutions Benefits Summary and Terms of Service Introduction This Benefits Description contains the terms and conditions of your benefits coverage with Zander Identity Theft Solutions. Please read this material carefully. If you have any questions about the Program or your benefits, please contact us. Dependent Eligibility If you enrolled in the family plan (or sign up in the future), eligible family members include your spouse or domestic partner, children under the age of 26 who permanently live in your residence at the time of the identity theft event, and adult dependents (other than spouse/domestic partner) whom are under your care. Adult dependents will be eligible for the recovery services benefit only. When Your Benefits Start Your benefits begin on the effective date stated in the welcome letter, which accompanied this Benefits Description. When Your Benefits End Your benefits are in effect as long as you are enrolled as a Zander Identity Theft Solutions member and your payment method is valid. Your membership will automatically renew until you contact Zander Identity Theft Solutions to request termination of this agreement, or if your payment method is no longer valid. Description of Benefits I. DEFINITIONS (used in this Benefits Description ) A. "Program" means the Zander Identity Theft Solutions Program of personalized identity theft protection and recovery services and loss reimbursement. B. "Identity Theft Event" means the theft of a Participant's personal identification, including a Social Security number or other identifying information about the Participant, which has or could reasonably result in the wrongful use of such information, including, but not limited to, identity theft events occurring on or arising out of the Participant's use of the Internet. The Identity Theft Event shall not include the theft or wrongful use of the Participant's business name, d.b.a., or any other identifying information related to any business activity of the Participant. All losses resulting from the same, continuous, related, or repeated acts shall be treated as arising out of a single Identity Theft Event occurring at the time of the first such Identity Theft Event. C. "We," "us," and "our" mean Zander Identity Theft Solutions. D. "You" and "your" mean a member with benefits coverage under the Program. E. "Allowable expenses" means those incurred by you and fitting the definition of "costs" as set forth in the Personal Internet and Identity Coverage Insurance Policy ("PIIC") issued by American International Group, Inc.

2 F. "Participant" means a member or dependent covered by the Program. II. PROGRAM COVERAGE The Program includes personalized identity theft protection and recovery services provided by Zander Identity Theft Solutions, together with the PIIC Policy provided by American International Group, Inc.. The following is a list of the benefits for which you are eligible: A. Identity Theft Protection Benefits 1. Protection Test. We offer a Protection Test to all Participants. The test is available in the Member Services section of our Web site. 2. Protection Plan. When you take the Protection Test on our Web site, you automatically receive a customized Protection Plan based upon your responses. 3. Personal Protection Advisory newsletter. Members will receive a monthly Personal Protection Advisory newsletter via . B. Identity Theft Recovery Benefits If you discover that you are a victim of identity theft while enrolled in the Program, we will assign a Recovery Advocate to manage your case and activate the members of our Recovery Team needed to help with the recovery process. They will create a Damage Assessment and Recovery Plan based on your case. The Recovery Plan will outline the actions that you and the Recovery Team will need to take to complete the recovery process. Your cooperation in completing the Recovery Plan is a condition of the continued involvement of the Recovery Advocate and the Recovery Team. C. Identity Theft Lost Income and Expense Reimbursement Participants who discover that they are victims of identity theft while enrolled in the program will have their allowable costs for lost wages, legal defense fees and expenses (e.g., credit reports, legal fees for some civil suits, fees for refiling loan applications, etc.) associated with the identity theft event reimbursed through the PIIC Policy up to the Policy limits. There is no deductible applicable to the reimbursement. Reimbursement is subject to review of the expenses and lost income you submit. D. Unauthorized Electronic Fund Transfer Reimbursement Participants who are victims of identity theft will be reimbursed the principal amount, exclusive of interest and fees, incurred by you and caused by an Unauthorized Electronic Fund Transfer. Stolen Funds Loss shall not include any amount for which you did not seek reimbursement from the financial institution which issued the access device and holds the account from which funds were stolen, and stolen funds loss shall not include any amount for which you received reimbursement from any source. E. Identity Theft Reporting Time Limitation The identity theft event must be reported to us as soon as you become aware of it, but in no event later than 90 days after it is discovered by you. You will only be eligible for the recovery and reimbursement benefits if the identity theft event is reported to us within 90 days of discovery. III. PROGRAM COVERAGE EXCLUSIONS A. You will not be covered if the identity theft event occurs after termination of your membership in the Program. If you want assistance with the recovery process for a post-membership identity theft event, you can purchase recovery services from us by paying the standard fees, plus expenses. B. Participants must abide by all applicable State and Federal laws, and report illegal activities and fraud to appropriate legal authorities. Failure to do so will terminate their membership and all Program benefits. Submitting Your Reimbursement Request and Receiving Payment If you become a victim of an Identity Theft Event, you should notify us as soon as possible. Keep track of your expenses and time spent during your normal working hours dealing with the recovery process. (You should also get and retain receipts whenever applicable). You will need to submit a Claim Form (which we will provide). We will then submit the claim form to the Claims Department within 14 days of the closure of your case. You will receive reimbursement for your allowable expenses and lost income after your case closes.

3 Benefits Coordination with Other Theft Coverage The Program's lost income and expense reimbursement services are available to you even if you have identity theft insurance with another company. For example, homeowner s policies and credit card companies frequently provide such coverage. However, if you become a victim of an Identity Theft Event, you must seek reimbursement from that company first, up to its policy limits. Then, if you do not receive full reimbursement of your expenses and lost income associated with the recovery process under that coverage, you would be eligible to receive the difference, up to the limits of and subject to the terms and conditions of the PIIC Policy. Cancellation If you cancel your membership within 14 days of its effective date, and prior to utilizing the recovery service, you will receive a full refund. If you cancel after 14 days there will be no refund, however, we will discontinue the billing based on whether the method of payment you selected was month to month or annual. Annual memberships are valid through the entire 12 month period. Contact Us You may contact us by telephone at , or from the Member Services section of our Web site. Privacy of Information To review the Zander Identity Theft Solutions policies concerning the privacy of personal information, please refer to the Zander Identity Theft Solutions Privacy Policy. Availability of Access Zander Identity Theft Solutions will notify Participants, by posting notices on this site or by , of scheduled maintenance or upgrade work that may make the Zander Identity Theft Solutions Member Services section of this Web site unavailable for more than two hours. Zander Identity Theft Solutions does not warrant that the Member Services section of this Web site will be available on a continual 24- hour basis. The Participant acknowledges that the traffic of data through the Internet may cause delays during the download of information from the Zander Identity Theft Solutions Member Services section of this Web site and shall not hold Zander Identity Theft Solutions liable for delays that are ordinary in the course of Internet use. Intellectual Property Ownership Trademarks, Copyrights and Restrictions: Zander Identity Theft Solutions, the Zander Identity Theft Solutions logo, and Zander Identity Theft Solutions are trademarks of Zander Identity Theft Solutions. Everything you see in any promotional materials is copyrighted by Zander Identity Theft Solutions unless otherwise specified. All other product names and company logos found on promotional materials are the trademarks of their respective owners. All promotional materials are protected by copyrights, which are owned or licensed by Zander Identity Theft Solutions. You may not reproduce, perform, create derivative works from, republish, upload, post, transmit, or distribute in any way whatsoever any Zander Identity Theft Solutions information without the express, written consent of Zander Identity Theft Solutions.

4 Choice of Law This Agreement shall be construed and controlled by the laws of the state of Oregon. Any dispute concerning or breach of the terms of this Agreement will be governed by the laws of the state of Oregon. No Web Site Warranties THE INFORMATION AND SERVICES, INCLUDING, WITHOUT LIMITATION, THE INFORMATION AND SERVICES CONTAINED IN THE PROTECTION TEST/PLAN SECTION OF THIS WEB SITE PROVIDED BY ZANDER IDENTITY THEFT SOLUTIONS, ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND TO THE PARTICIPANT OR ANY THIRD PARTY, INCLUDING, BUT NOT LIMITED TO, ANY EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, OR ACCURACY OF THE INFORMATIONAL CONTENT. ZANDER IDENTITY THEFT SOLUTIONS MAKES NO REPRESENTATION AS TO THE ACCURACY, TIMELINESS, OR COMPLETENESS OF THIS WEB SITE'S MATERIALS. ZANDER IDENTITY THEFT SOLUTIONS MAY FROM TIME TO TIME MODIFY OR OTHERWISE CHANGE THE INFORMATION CONTAINED IN THIS WEB SITE WITHOUT NOTICE, AND THE PARTICIPANT AGREES THAT ANY SUCH MODIFICATION OR CHANGE SHALL NOT BE DEEMED A WAIVER OF THESE LIMITATIONS. ZANDER IDENTITY THEFT SOLUTIONS SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION CONTAINED ON THIS WEB SITE. ZANDER IDENTITY THEFT SOLUTIONS SHALL NOT BE LIABLE TO PARTICIPANTS OR ANY THIRD PARTY FOR LOSS OF PROFITS, LOSS OF USE, INTERRUPTION OF BUSINESS, OR ANY DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION TO THIS WEB SITE. Web Site Links Zander Identity Theft Solutions shall not be responsible for the content of any Web sites to which this Web site provides links. Indemnification You agree to indemnify, defend and hold Zander Identity Theft Solutions and any of its affiliates and all of their agents, directors, employees, information providers and licensors and licensees harmless from and against any and all liability and costs (including attorneys' fees and costs) incurred by any of these parties in connection with any claim arising out of any breach by you of these terms and conditions. In the event that either (a) you are the subject of claims for which you properly seek damages from us under these terms and conditions, or (b) we are subject to any claim for which we have the right to be indemnified by you, we reserve the right at our expense in the case of claims in clause (a) and at your expense in the case of claims in clause (b), to assume the exclusive defense and control of any such claim, and you will not in any event settle any such claim without our written consent. Entire Agreement/Modification These Terms of Use constitute the entire agreement between Zander Identity Theft Solutions and the Participant with respect to the Participant's use of this Web site. This agreement supersedes any and all other agreements, either oral or written, between the Participant and Zander Identity Theft Solutions with respect thereto. Zander Identity Theft Solutions may, from time to time and at its sole discretion, modify, amend, or otherwise alter the terms and conditions of these Terms of Use and the content of this Web

5 site. The terms and conditions in effect at the time of the Participant's use of this Web site shall govern such use. Arbitration The Participant agrees to have any unresolved claim or dispute submitted to binding arbitration for resolution. Such arbitration shall take place in Portland, Oregon, and shall be conducted in accordance with the rules of the American Arbitration Association in effect at that time. Change of Terms We may revise this Agreement at any time. However, we may not make any changes retroactive. We will notify you of any changes at the address or mailing address associated with your account. If you do not contact Zander Identity Theft Solutions and express your objection to our changes within thirty (30) days of receiving this notice, you shall be deemed a continuing use client and agree to be bound by any such revisions. If you fail to comply with any of these terms and conditions, we may at any time terminate your rights under this agreement. Miscellaneous These terms and conditions may not be altered, supplemented, or amended by you by the use of any other document(s). Any attempt to alter, supplement or amend this document or to enter an order for the Service which is subject to additional or altered terms and conditions will be null and void, unless agreed to in writing and signed by you and Zander Identity Theft Solutions. The section headings used herein are for convenience of reference only and do not form a part of these terms and conditions, and no construction or inference will be derived therefrom. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable and shall not affect the enforceability of any other provision. Description of Subscriber Obligations You agree that you are only providing your own personal information and not the information of any other individual. You agree that the information you provide during the registration process and any subsequent information you provide to Zander Identity Theft Solutions will be true, accurate, and current. YOU ARE OBLIGATED TO CONTACT ZANDER IDENTITY THEFT SOLUTIONS MEMBER SERVICES IN THE EVENT THAT ANY INFORMATION YOU HAVE PROVIDED ZANDER IDENTITY THEFT SOLUTIONS HAS CHANGED. You agree that you are eighteen (18) years of age or older. You agree to pay us the fee we publish for our Service, less any discounts to which you may be entitled. Agreement Assent YOU AND ZANDER IDENTITY THEFT SOLUTIONS HAVE ENTERED INTO THIS AGREEMENT, WHETHER ELECTRONICALLY, BY RECORDED VOICE AUTHORIZATION, OR VIA PHYSICAL COPY, INTENDING TO BE BOUND BY YOUR ACCEPTANCE OF THE AGREEMENT. IN THE FUTURE, YOU AGREE TO BE BOUND TO THESE SPECIFIC TERMS AND CONDITIONS OF SALES, AND MODIFICATIONS TO THIS AGREEMENT, BY CONTINUING TO USE OUR SERVICE AFTER WE HAVE NOTIFIED YOU OF THOSE TERMS AND CONDITIONS. NOTIFICATIONS, OR ANY OTHER COMMUNICATIONS, INCLUDING BILLING, PAYMENT, AND/OR DISCLOSURES WILL BE MADE VIA

6 THE MAIL, TELEPHONE, OR ADDRESS ASSOCIATED WITH YOUR ACCOUNT. THIS AGREEMENT MAY BE PRINTED OR RETAINED BY YOU FOR FUTURE REFERENCE. Acknowledgment The Agreement, including all documents referred to herein, represents the entire understanding between you and Zander Identity Theft Solutions regarding your relationship with Zander Identity Theft Solutions and supersedes any prior statements or representations. When using or purchasing the Zander Identity Theft Solutions Service, you agree to be bound by these terms and conditions. Thank you for your business.