ID Secure is a comprehensive protection service that can help predict, protect, and prevent identitytheft. We help you take steps possible to avoid becoming a victim of this despicable crime.

Please take a minute to read through all these benefits. Then simply visit idsecure.com toactivate your protection service.

You’ve got the ID Secure Seal of Security

We take important measures to protect your information:

1. ID Secure customer information is stored on a secure server that is firewall-protected and

encrypted to block unauthorized third party access.

2. We restrict downloading of any data on our secure servers to unsecured locations, like laptops.

3. ID Secure is encrypted and protected with industry-standard SSL encryption software.

4. idsecure.com is certified and regularly scanned by ControlScan (www.controlscan.com) to

protect against hacker attacks for over 11,500 known website security vulnerabilities. All

sensitive information is encrypted prior to storing it in our databases.

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▲WELCOME

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Monitor — We’ll monitor your name, Social Security number, creditand debit card numbers, address, phone numbers, and email to alertyou to potentially suspicious activity.

Control — We’ll deliver your Personal Information Profile (PIP) soyou can read what is being said about you in public documentseveryone can view.

Resolve — We’re giving you $10,000.00 of Identity Theft insuranceplus a personal caseworker to help you every step of the way toclear your name.

Educate — We’ll provide you with the necessary resources to helpprevent you becoming a victim of identity theft.

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CONTENTS

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GETTING STARTEDActivating your Fraud Protection is simple and takes just a few minutes. Start by visiting idsecure.com. Then, follow the steps below.

1. Click on “Need Username” in the upper rightcorner of the screen. - Have your membership number handy to log in. - Select a unique username and password. You

may edit or delete your information byclicking the “Change Monitoring Data Button.”

2. Next, set up your Fraud Protection to monitorpersonal data. - Click Fraud Protection Dashboard to enter data

to be monitored: name, SSN, credit cardnumbers, current or past addresses, phonenumbers, and email addresses.

- Click Set Up Fraud Protection to begin monitoring.

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3. Your data findings will be clearly summarized foryou online, any time you view the information. - “Next Check Dates” are outlined to let you

know when your information is monitored.- You’ll also be sent e-mail alerts if your

information has been discovered ascompromised in any way.

4. Click on the Control tab to order your PublicInformation Profile.- This document is a detailed summary of your

personal information that appears in availablePublic Records.

5. Visit idsecure.com 24/7 to view any changes thathave occurred to your Social Security numberand personal data monitoring. Your personal“dashboard” will show you a summary of allyour monitored information.

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CREDIT AND DEBIT CARD MONITORINGDid you know your identity is in the possession of virtually every online merchant you have everpurchased from? Our sophisticated, real-time,early-warning technology monitors various chat rooms across cyberspace where thieves are selling and trading stolen credit and debit cards—over and over again. You could be ruined in a matter of minutes.

BOTTOM LINE: When you register your credit anddebit cards ID Secure will notify you by email if any suspicious activity has been detected.

Identity Thieves care about one thing—stealing your personal informationand selling it to make money.

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YOUR PERSONAL MONITOR DASHBOARDYour “dashboard” displays all your personalinformation: your name, Social Security Number,credit and debit card numbers, mailing address, emailaddresses, and phone numbers. The dashboard alsoassesses your ID Theft Risk level to your SocialSecurity Number and assigns a color: Red indicateshigh risk and green means low risk. Just click on“Details” to learn your risk color for identity theft.

Be sure to check your Monitoring Dashboard everytwo weeks, since DataSweep and Social SecurityMonitoring will have been updated.

BOTTOM LINE: ID Secure will monitor all yourpersonal information online and alert you via emailto any changes are detected.

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YOUR DASHBOARD

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DATA SWEEPData Sweep is a service that monitors your personalinformation as it appears in Internet directories for you.Just enter your:

• Name• Current or past addresses• Email addresses• Telephone numbers

Then sit back and relax while Data Sweep monitorsInternet directories, re-checking them every two weeks.If personal information is detected for public viewing,you’ll be alerted via email to check the ID Secureonline dashboard that reveals which sites aredisplaying the information. In some cases, you may beable to request that your information be deleted. Yourinformation can be revised, and you can add or deletenew information for Data Sweep to monitor.

SOCIAL SECURITY NUMBER MONITORINGYour Social Security Number (SSN) is invaluable tothieves. Once they get their hands on it, they can use it to steal your identity easily. They don’t even need to have every number correct. They can create a“synthetic” identity, changing as little as one digitand/or making a slight change in your name to create a “shadow” account that can go undetected for years.

BOTTOM LINE: ID Secure’s fraud-detection technologyscans billions of public records to monitor your SSNand assesses your risk for SSN manipulation.

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TO CATCH IDENTITY THIEVESThe ID theft victim population hits about 19 million ayear. That means every minute, about 19 peoplebecome new victims. As shown at the right, yourinformation can be traded to other thieves in chatrooms—and, just like that, you’re wiped out. ID Securehas taken steps to help prevent this from occurring byusing leading-edge proprietary technology that hasbeen profiled by national news organizations includingNBC’s “Dateline.” Our technology monitors theInternet for fraudulent activity involving consumers’personal credit or debit card accounts.

BOTTOM LINE: ID Secure allows you to take proactivesteps to prevent identity theft and fraud from takingover and controlling your life.

CHAT ROOM OFIDENTITY THIEVES

The detail may surprise you, but don’t you want toknow what is being said about you?

BOTTOM LINE: ID Secure’s early detection ofmisinformation is key to helping stop identity theftbefore it spirals out of control.

Control

PUBLIC INFORMATION PROFILEThis comprehensive background report, also known asa PIP, allows you to see what consumer information onyou is available so you may correct any inaccuracies.View your Report by clicking on the “Control” tab.

Typically 25 pages long, it searches over 10 billionrecords and collects data from over 5,000 sources, suchas real estate records, courts, legal records and criminalrecords, bankruptcies, liens, and judgments. It revealspeople who have similar names, addresses, or SSNs —information that traditionally only employers,government agencies (and now identity thieves) havebeen able to access.

The depth and breadth of this report will reveal yourprior addresses and who you were living with. It canreveal information about people with similar names tohelp you identify possible cases of mistaken identity.

YOUR PIP FILE

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DID YOU KNOW:The most damaging type of identity fraud is the creationof new accounts under your name. Some of the worstidentity theft offenders are people you might actuallyknow, like relatives and friends who have access to yourinformation.*

ID SecureSM technology monitors your Social Securitynumber and can alert you when your risk level for thistype of fraud increases, to help keep you one step aheadof the thieves.*

*Javelin Strategy & Research, 2006

PERSONAL CASEWORKERIn the event that identity theft does occur, help willbe waiting. With our Identity Fraud Support Service,you'll be assigned a trained, dedicated caseworker to take you through the resolution process. Personaland professional assistance is on hand to help yourestore your good name, file paperwork, and mostimportantly, provide guidance and answers to yourimportant questions.

You'll even receive a credit report and personalizedFraud Resolution Kit at no additional cost, sent viaovernight mail, that contains all the documentationyou’ll need.

Resolve

On average, consumers spend 132days to resolve identity fraud cases.

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BOTTOM LINE: ID Secure can save you serious timeand money in resolving your case.

If you have questions about how the Identity FraudSupport Service works, or if you may need to speakwith a caseworker, please call 1-800-344-9406,Monday through Friday, from 10 a.m. to 7 p.m. EST.

$10,000 IDENTITY THEFT INSURANCE:With ID Secure, you’ll receive up to $10,000.00 and oneclaim per 12-month period if you suffer a coveredfinancial loss from having your identity stolen online oroffline. And this is without a deductible.

Insurance is critical to have. It helps with...-- Costs associated for re-filing for loans-- Payments of lost wages as a result of time off work

to investigate/re-establish your identity-- Legal costs for certain identity theft-related litigation-- Any professional assistance needed to file

paperwork, notify credit bureaus, etc.

Your complete Evidence of Coverage document can befound on page 14.

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Educate

S.A.F.E. RISK QUESTIONNAIREHave you ever made an online purchase? Do youreceive mail in an unlocked mailbox? These are just afew of the 30 questions asked in Your Self AssessedFraud Evaluation (S.A.F.E.) online questionnaire thatranks your risk of becoming an identity theft victimbased on behavior, name frequency, and other factors.

S.A.F.E. SCOREYou’ll be assigned a numerical ranking from 200-850(please note: this number is different from a creditscore), plus suggestions to improve your score andlower your risk of becoming a victim of identity theft.

BOTTOM LINE: ID Secure is providing all the toolsnecessary so you won’t become a victim.

Identity Thieves don’t even need your SSN anymore...just pieces of your personalinformation to assume your identity.

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Q: Does the Internet age make identity theft easier?

A: The Internet age makes identity theft much easier.Technology breeds crime; it always has and it always will.There will always be people who are willing to usetechnology in a self-serving way.

Q: What can happen if someone gets a hold of your personalinformation?

A: You know, it started out as a crime in the early 1990s as away to get a credit card in your name and run up that creditcard and throw it away – and leave you with the debt. Thenit moved into, ‘Can I get a mortgage in your name?’ ‘Can Ibuy a car in your name?’ ‘Can I get a job in your name?’And today even more common: ‘Can I commit a crime inyour name and leave you responsible for the crime?’ It’snever-ending as to what one does with it – it’s strictly up tothe imagination of the criminal and what they can use oncethey have someone’s identity. And when we say youridentity, we simply mean three things: your name, socialsecurity number and date of birth; that’s all they need to get22 other pieces of information about anybody out of publicrecords. They just need those three and they are everywhere.

ASK FRANK ABIGNALEAuthor of best-selling novel & film “Catch Me If You Can”

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Frank W. Abagnale is a retiredmaster forger whose early lifewas the basis for the motionpicture, “Catch Me If You Can.”He now assists companies andconsumers in preventing fraud.To have your questionsconsidered for this column,please e-mail them to:askfrank@privacy.trilegiant.com.

FRANK TIP: “Buy what we call ‘micro-cutshredders’ that basically turn paper into littlepieces of confetti or chips that make [piecinginformation together] literally impossible.You'll never totally protect yourself but youcertainly can make it more difficult forpeople to victimize you.”

IDENTITY THEFT EXPENSE REIMBURSEMENT EVIDENCE OF COVERAGE

VIRGINIA SURETY COMPANY, INC., 1000 N.MILWAUKEE AVE.

GLENVIEW, ILLINOIS 60025

Insuring Agreement:

We will reimburse You for Losses You incur as a result ofIdentity Theft. The Loss must occur while You are a Memberto be eligible for coverage, as described in this Evidence ofCoverage.

This Evidence of Coverage is not transferable to anotherperson or entity.

Coverage Limits:

Coverage is subject to:

• An overall aggregate benefit limit of $10,000 USD perMembership, per twelve (12) month period, for Lossesincurred as the result of Identity Theft.

o The Lost Wages benefit is further limited to an amountup to $500 USD per week, payable for up to four (4)weeks.

• A limit of one (1) Identity Theft claim per twelve (12)month period.

Coverage Period:

The Identity Theft coverage begins concurrently with theterm of Your Membership commencing on YourMembership’s effective date, and continues monthly unlessnon-renewed or cancelled by the Group Policyholder, Us orYou and ends on Your Membership expiration date orcancellation date, whichever occurs first.

Definitions:• “We”, “Us”, “Our” or “Company” means Virginia Surety

Company, Inc., 1000 N. Milwaukee Ave., Glenview, Illinois60025.

• “You” or “Your” means the individual person who hasenrolled in a membership that this coverage is part of.

• “Identity Theft” means the use of Your name, address,Social Security number (SSN), bank, or credit cardaccount information or other identifying informationwithout Your knowledge to assume Your identity to commitfraud or deception.

• “Administrator” means Aon Innovative Solutions.

• “Loss” means the Expenses, Lost Wages, and Legal Costsrelated to Your Identity Theft.

• “Expenses” means:

o Costs You incur for re-filing loan applications for loans,grants, other credit or debit instruments that are rejectedsolely as a result of the lender receiving incorrectinformation as the result of Identity Theft;

o Costs You incur for notarizing affidavits, or othersimilar documents, long distance telephone calls, andpostage which is incurred by You in Your efforts toreport an Identity Theft, or amend or rectify records inregard to Your true name or identity as the result of anIdentity Theft;

o Costs You incur to purchase directly a maximum of four(4) credit reports from any of the three major CreditBureaus (Experian, Equifax, or TransUnion). Thecredit reports must be purchased while You are aMember; and may be purchased only after the IdentityTheft has occurred and for the purpose of correcting inaccuracies that occur as a result of theIdentity Theft.

• “Lost Wages” means:

o Actual United States wages lost for time taken fromYour work, and away from Your work premises, solelyas a result of Your efforts to amend or rectify recordsregarding Your true name or identity as the result of anIdentity Theft;

o Actual United States wages lost, includingreimbursement for vacation days, discretionary days,floating holidays, and paid personal days, but not forsick days. Also, any reasonable cost arising from timetaken from self-employment;

• “Legal Costs” mean:

o Costs You incur for reasonable and necessary fees foran attorney from a source that We designate, and relatedcourt costs You incur with Our consent; for

o Any suit brought against You by a creditor or collectionagency or other entity acting on behalf of a creditor fornon-paymentof goods or services or default on a loan as the result ofIdentity Theft;

o Removal of any civil judgment wrongfully enteredagainst You as a result of Identity Theft.

Exclusions:

The Identity Theft Expense Reimbursement Plan coveragedoes not apply to:

• Any act of fraud, deceit, collusion, dishonesty or criminalact by You or any person acting in concert with You, or byany authorized representative of You, whether acting aloneor in collusion with You or others;

• Damages or Losses arising out of any business pursuits, lossof profits, business interruption, loss of businessinformation, or other pecuniary loss; Damages or Lossesarising from the theft or unauthorized or illegal use of Yourbusiness name, d/b/a/ or any other method of identifyingYour business activity;

• Damages or Losses of any type for which the credit cardcompany, bank, creditor, etc. is legally liable;

• Losses that were incurred or commenced prior to theeffective date of Your Membership;

• Potential ID Theft issues You were aware of prior to theeffective date of Your Membership;

• Fees or costs associated with the use of any investigativeagencies or private investigators;

• Any Loss that is not a direct result of Identity Theft;

• Damages or Losses of any type resulting from fraudulentcharges or withdraw of cash from a debit or credit card;

• Damages or Losses of any type resulting from fraudulent

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withdraws from financial/bank/investment accounts;

• Indirect or direct damages or losses of any nature;

• Authorized charges that You have disputed based on thequality of goods or services;

• Authorized account transactions or trades that You havedisputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal orwritten instructions or directions.

What to do if You’re a victim of Identity Theft:

• Contact the Resolution Service at Affinion Benefits Group,400 Duke Drive, Nashville, TN 37067 at 866-622-5205.You must report the incident upon discovery.

• Contact all major credit bureaus (Experian, Equifax,TransUnion, etc.) immediately after discovery of IdentityTheft to place a fraud alert on Your credit report;

• Contact Your creditors (i.e. banks, credit card issuers,utilities companies, etc.);

• File a police report in Your local jurisdiction;

• File a complaint with the Federal Trade Commissiongovernment agency. The Administrator may reasonablyrequest you to file a report with other agencies, such as theFederal Bureau of Investigation;

• Follow all procedures for recovery and reasonable requestsfor information and assistance at all institutions affected;and

• Maintain a copy of all receipts, bills or other records thatsupport Your claim for an Identity Theft ExpenseReimbursement Plan payment. These records shall be keptin such manner that We can accurately determine theamount of any Loss.

• Take all other reasonable steps available to protect Youridentity from any further use without your knowledge.

How to File a Claim:

Contact the Administrator at Aon Innovative Solutions, 13922Denver West Parkway, Golden, CO 80401 at 800-453-5027for filing instructions. You must inform the Administrator of

an identity fraud case no later than six (6) months from thedate You are first aware of ID Theft issues and submit allrequired documents within thirty (30) days after close of YourIdentify Theft case with a Credit Bureau or the claim may notbe honored.

Submit the following:

• Provide proof that a fraud alert was placed with each majorCredit Bureau (Experian, Equifax, TransUnion, etc.)immediately after discovery of Identity Theft;

• Copy of a police report from Your local jurisdiction;

• Copy of results of any settlement or denial from credit cardcompanies, banks, creditors, etc. concerning Your Identity Theft claim.

• Copy of the complaint filed with the Federal TradeCommission government agency. The Administrator mayreasonably request you to file a report with other agencies,such as the Federal Bureau of Investigation;

• Copy of all receipts, bills or other records that support Yourclaim for an Identity Theft Expense Reimbursement Planpayment. These records shall be kept in such manner thatWe can accurately determine the amount of any Loss.

• Any other documentation that We may reasonably request tovalidate a claim.

Benefits payable under this Evidence of Coverage for anyLoss will be paid upon receipt of acceptable proof of suchLoss and all required information necessary to support Yourclaim. All benefits will be paid to You directly or, in case ofYour death, to Your estate.

Secondary Coverage:

This coverage is secondary to any applicable insurance orbenefit available to You by a provider other than VirginiaSurety Company, Inc. Coverage is limited to only thoseeligible amounts not paid by any other provider.

Subrogation:

If payment is made under this Evidence of Coverage, We areentitled to recover such amounts from other parties orpersons. Any person whom receives payment under this

coverage must transfer to Us his or her right to recoveragainst any other party or person and must do everythingnecessary to secure these rights and must do nothing thatwould jeopardize them, or these rights will be recovered fromYou.

Concealment or Misrepresentation:

Your coverage shall be void if, whether before or after aLoss, You have concealed or misrepresented any material factor circumstances concerning this coverage or the subjectthereof, or if You commit fraud or swear falsely in connectionwith any of the foregoing.

Legal Actions:

No action at law or in equity shall be brought to recoverunder the Evidence of Coverage prior to expiration of sixty(60) days after proof of Loss has been submitted inaccordance with the requirements of the Evidence ofCoverage.

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OUR OBJECTIVE The Personal Information you provide us isimportant to our business and vital in serving yourneeds. We are committed to the responsiblecollection, management and use of such information.This Privacy Policy guides us in achieving thatcommitment and applies to all of our members andother customers in the United States. In order toremind you of our commitment, we will send you acopy of our Privacy Policy at least annuallyfollowing our initial notice.

PERSONAL INFORMATION COVERED BY POLICYBy “Personal Information,” we mean information we possess that identifies you personally and is nototherwise available to the public. This informationincludes general information (such as name, address,phone number, birth date and Social Security

number), transaction information (such as yourservice usage and products purchased through us)and financial information (such as credit history,income, etc.).

COLLECTION OF PERSONAL INFORMATION We may obtain Personal Information from you or athird party. We may collect such information fromapplications or other forms submitted by you, fromtransactions with us, our affiliates or other parties,from consumer reports or from other sources.

OUR USE OF PERSONAL INFORMATION We limit our use of Personal Information toinformation we believe helps us serve our membersand other customers and to conduct our business. We share such information with certain of ouremployees in order to enable them to performbusiness functions, such as servicing our membersand other customers, paying claims and benefitamounts, advising our members and other customersof our existing products and services and developingnew products and services.

PRIVACY POLICY NOTIFICATION FOR YOUR CREDIT MONITORING SERVICE ▲

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SHARING OF PERSONAL INFORMATION WITH AFFILIATESWe may share Personal Information relating to yourtransactions or experience with us, with our affiliates,such as the other membership services operated byTrilegiant Corporation and its affiliates, as well as with affiliated financial institutions and other affiliates(including those existing currently or in the future).

SHARING OF PERSONAL INFORMATION WITH NON-AFFILIATES We may also share Personal Information with (X)unaffiliated third parties, including marketing partners,printers, billing agents, insurance companies,administrators and service providers, that assist us inperforming our business functions and marketing ourproducts, and as otherwise permitted or required by law, and (Y) unaffiliated third parties providingservices under a joint marketing agreement betweenus and one or more other financial institutions; in any such case, we will require such third parties tomaintain the confidentiality of Personal Information

disclosed to them. We may also share PersonalInformation with certain other third parties, includingfinancial service providers (such as mortgage bankersand insurance agents) and non-financial serviceproviders (such as retailers, airlines and publishers),so that they may offer you products or services that we believe may be of value to you – note that youhave the opportunity to direct that your PersonalInformation not be disclosed to such third parties.

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METHODS FOR OPTING OUT OF SHARING PERSONAL INFORMATIONIf you do not want us to share your PersonalInformation with unaffiliated third parties (other than those disclosures required or permitted by law),please check the box at right, print your name andaddress in the boxes and send the form to us atTrilegiant Corporation, P.O. Box 111100, Trumbull,CT 06611-8100. We ask that you mail your requestin a stamped envelope that does not include any othercorrespondence. Once your request has been receivedand processed, it will remain in effect until yourequest a change.

MAINTAINING THE SECURITY OF YOUR INFORMATION We have implemented security procedures which use reasonable measures to ensure the security,confidentiality and integrity of Personal Informationin our possession and guard against unauthorizedaccess or use. We also identify data that is to beprotected, provide a reasonable level of protection

for that data and grant access to protected data onlyto those individuals who need to use it in performingtheir job-related duties. Employees who violate oursecurity procedures will be subject to disciplinaryaction, which may include termination.

TREATMENT OF INFORMATION OF FORMERMEMBERS AND CUSTOMERS We will continue to follow our Privacy Policy evenwhen you are no longer a member or other customerof our business.

PERIODIC CHANGES TO OUR PRIVACY POLICY This Privacy Policy supersedes all privacy policiesand other similar standards previously issued by us orour affiliates. Since the privacy standards set forthherein are subject to updates and other changes fromtime to time, please note that this Privacy Policy issubject to change at any time. In the event of anysuch changes, we will notify all of our members andother customers of such changes in the manner and tothe extent required by law.

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Address [If Rural Route (RR), must include P.O. Box.] Apt. No. Rural Route P.O. Box

First Name Last Name

City State Zip Code

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Please don’t share my Personal Information with unaffiliated third parties (other than those disclosures required or permitted by law).

SPECIAL NOTICE FOR CALIFORNIA RESIDENTS. If you have a California mailing address, we will not share your Personal Information with unaffiliated third parties that are not financial institutions (other than as required or permitted by California andfederal law). In addition, you may request that we not share your Personal Information with unaffiliated financial institutions with which we havejoint marketing agreements or with our affiliates, except as required or permitted by California and federal law. If you do not want us to shareyour Personal Information with such parties, please check the box below and enter your name, address, and member number in the space provided. Alternatively, you may make this request by e-mail by sending this information to glbpolicy@trilegiant.com.

Please don’t share my Personal Information with unaffiliated financial institutions with which you have joint marketing agreements or with youraffiliates (other than those disclosures required or permitted by California and federal law).

Please complete all the information below and return the form in astamped envelope. Please printclearly and use blue or black ink.

MAIL TO: Trilegiant Corporation,P.O. Box 111100, Trumbull, CT 06611-8100