THE PERSONAL PROTECTION PLAN
An Identity Theft Educational & Recovery Program

The Personal Protection Plan sm is an online educational and recovery program that employs our proprietary risk management process to assist you in minimizing the risk of becoming an identity theft victim. The Awareness and Prevention modules are focused on education, each adding an additional layer of protection to the other. The Recovery and Insurance modules are focused on the recovery process in the event that you experience an identity theft event. In addition to our comprehensive risk management process, when you subscribe to the Personal Protection Plan's sm basic product, you will also receive:

Our Risk Management Process

• Awareness Module
  - E-mail alerts (as needed)
  - Our monthly educational newsletter
• Prevention Module
  - Our monthly educational newsletter
  - Our prevention techniques
  - Our prevention product solutions
• Recovery Module
  - Our monthly educational newsletter
  - Our exclusive recovery checklist
  - Our recovery book including:
  - All the form letters you'll need
  - Who to contact, and their contact information
  - What to tell them
  - What order to implement it in
  - Follow up process... to be sure
• Insurance Module
  - Provides members with coverage for certain financial assistance   and reimbursements, up to the limits that they subscribe to,   under our master Personal Identity Insurance Coverage policy
  - Backed by the World's largest insurance carrier, AIG... Just in   case!

You will also receive...

• Member only web site
  Links to other web sites for information that pertains to personal identity theft
• "Personal Alert," our monthly e-mail newsletter
• Identity Theft Insurance
  - $10,000 limit*/$0 deductible
  - Loss of wages sub limited at $500 per week*
  - Standard 6-month reporting period
  
  What the Identity Theft Insurance program will cover:
  - Provides coverage for specified expenses incurred in the
    recovery of a stolen identity.
  - Costs associated with re-filing for loans, grants, or other   credit/debt instruments.
  - Payment of loss wages as a result of time off work to   investigate/re-establish identity.
  - Legal defense costs for certain identity-theft related litigation   against an insured.
  - Other miscellaneous expenses such as costs of a notary   public.
  
  *(Insurance coverage is 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 may not be available in all jurisdictions).
  

* Exclusions under the standard homeowner's policy will make this coverage primary. *

For Insurance detail