- Restoration Activities and Expert Advice
- Reimbursement of Certain Restoration Expenses
- EZShield Promise
- Restoration for Individuals, Families and Businesses

If during the Term Customer suffers an Identity Theft Event, EZShield shall assign to Customer a Restoration Specialist who will provide directly to Customer timely expert advice regarding the best procedures and documents for responding to the Identity Theft Event. In addition, upon Customer reporting the Identity Theft Event to local law enforcement authorities and EZShield and upon delivering the required authorization documents to EZShield, EZShield will, subject to the terms and limitations stated below, provide the following Restoration Activities (such expert advice and Restoration Activities collectively called the "Service"):

Restoration Activities:

• Notify the three national credit bureaus (Equifax, Experian and TransUnion) to place a fraud alert on Customer's credit reports, and review such reports to identify evidence of the Identity Theft Event.
• Contact banks, credit card companies and merchants as directed by Customer to freeze or close any business accounts compromised by or resulting from the Identity Theft Event.
• Contact the Federal Trade Commission and file a complaint to report the Identity Theft Event.
• Otherwise coordinate with credit bureaus, banks, credit card companies, government agencies, and/or merchants as suggested by the Federal Trade Commission in its February 2006 publication entitled Take Charge: Fighting Back Against Identity Theft.
• Pay for nominal Restoration Expenses incurred in connection with providing the Service.

EZShield will continue engaging in Restoration Activities on behalf of Customer either until the records identifying the fraudulent transactions associated with the Identity Theft Event are corrected or until EZShield reasonably determines that further efforts to revise such records would not be successful:

EZShield Promise:

To extend protection of the Customer's Protected Identity Elements past completion of a Restoration case, EZShield will make certain other preventative and complementary services available to Customer, free of charge in accordance with the terms of the "EZShield Promise".

Individual Restoration: Limited to individuals properly registered as a Customer
Family Restoration: Service is extended to "Affiliated Persons"
Business Restoration: Limited to businesses properly registered as a Customer.

Affiliated Person Extension: Upon request of an extension of the Service and payment of the applicable Service extension fee, EZShield will provide the Service for Customer's qualified "Affiliated Persons" if:

• During the Term the Affiliated Person is the victim of an Identity Theft Event
• the Affiliated Person submits the required documentation to EZShield and cooperates in the delivery of the Service as reasonably requested by EZShield

Subscription licenses for this Service are governed by EZShield's End User License Agreement, Terms and Conditions and Privacy Policy, all of which are available at www.EZShield.com.

Limitations:

• There is no guarantee EZShield will be successful in assisting Customer to revise Customer's credit reports to address any incident or situation not related to the Identity Theft Event
• The Service does not include any effort to improve Customer's credit score or history for any items or incidents not related to the Identity Theft Event or any reimbursement whatsoever for any financial losses by Customer.
• The Service is expressly limited to the services stated in this Service Description for cases of an Identity Theft Event for which Customer has submitted to EZShield all requested documentation.
• The Service does NOT apply to any acts of copyright, trademark, service mark, patent or other intellectual property infringement/dilution or to any other events not expressly defined herein as an Identity Theft Event.
• EZShield will NOT provide as part of the Service any investigation regarding the scope or damages of any Identity Theft Event.
• EZShield will NOT as part of the Service file any civil or criminal complaints or pleadings on behalf of Customer.
• EZShield will NOT reimburse Customer for any financial losses whatsoever.
• There is no guarantee EZShield will be successful in assisting Customer to resolving the Identity Theft Event to Customer's satisfaction.

• Read and understand your rights and responsibilities under the Fair Credit Reporting Act (FCRA) as a victim of identity theft.
• Provide requested information to your EZShield Resolution Specialist in a timely manner. You will also be asked to complete certain tasks or actions to facilitate the identity restoration process that the Resolution Specialist cannot carry out on your behalf even with the Limited Power of Attorney.
• Abide by all regulations, federal and state laws, throughout the identity restoration process.
• Clearly communicate with your EZShield Resolution Specialist by disclosing the appropriate information to help expedite the time it takes to rectify your situation.

Take proactive steps to help reduce additional theft of your personal information.

The Limited Power of Attorney form provides the authorization for the EZShield Resolution Specialist to perform tasks related to restoring your identity. It is necessary to allow the Resolution Specialist to obtain information and request resolution for fraudulent activity on your behalf, and is the only means by which the EZShield Resolution Specialist can restore your identity to pre-theft status. It does not extend the Resolution Specialist authority beyond what is documented and necessary to complete the restoration process. The plan is valid for two year intervals (24 months), and you can revoke this authorization at any time. You are not relinquishing any rights of your own, and may continue to transact all business as usual.

Without signing and notarizing this document, an affected account holder or financial institution cannot and will not communicate the specific details of your accounts to us. The limited power of attorney permits only the EZShield Resolution Specialist to handle these details. The Resolution Specialist acknowledges this responsibility in writing, which offers additional protection.

If you prefer to perform the restoration tasks yourself, you may decline to sign the limited power of attorney. In that instance, the EZShield Resolution Specialist will recommend the steps needed to complete the restoration process. The Limited Power of Attorney ensures that individuals who are legally committed to do so are handling your personal information in a secure and professional manner.

The Fair Credit Recovery Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights created to help you recover from identity theft.

1) You have the right to ask that nationwide consumer reporting agencies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit.

You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which are then required to also place fraud alerts in your file.



An initial fraud alert stays in your file for at least 90 days. And extended alert stays in your file for seven years. To place either type of alert, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security Number. If you ask for an extended alert, you will have to provide an identity theft report.

An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the identity theft report, visit www.ftc.gov/idtheft.

2) You have the right to free copies of the information in your file (your "file disclosure"). Following an initial fraud alert, you are entitled to a free copy of your credit report from each of the three nationwide agencies. An extended alert entitles you to two free file disclosures in a 12-month period following placement of an alert. These additional disclosures may help you detect signs of fraud. For example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address.

Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. Visit www.ftc.gov/credit.

You have the right to obtain documents relating to fraudulent transactions conducted or accounts opened using your personal information. If you request them in writing, a creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity.

A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. Visit www.ftc.gov/idtheft.

You have the right to obtain information from a debt collector. If you make a request, a debt collector must provide you with information about the debt you believe was incurred in your name by an identity thief-such as the name of the creditor and the amount of the debt.

If you believe information in your file resulted from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don't provide the necessary documentation, or where the block results from an error or a material misrepresentation of facts made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection.

3) You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information resulted from identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report.

To learn more about identity theft and how to cope with its consequences, visit www.ftc.gov/idtheft, or write to the FTC. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state's attorney general.

In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other important consumer protections. They are described in more detail at www.ftc.gov/credit.

EZShield will provide a copy of this document to you.