1. Costs
   1. Reasonable and necessary costs incurred by you in the United States for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a Stolen Identity Event;
   2. Reasonable and necessary costs incurred by you in the United States for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report a Stolen Identity Event and/or amend or rectify records as to your true name or identity as a result of a Stolen Identity Event;
   3. Reasonable and necessary costs incurred by you for up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after your knowledge or discovery of a Stolen Identity Event.
   4. Reasonable and necessary costs incurred by you for ordering medical records for the purpose of amending and/or rectifying these documents as a result of a stolen identity event
   5. Reasonable and necessary costs incurred by you for travel within the United States incurred as a result of the insured’s efforts to amend or rectify records as to the insured’s true name and identity; and
   6. Reasonable and necessary costs incurred by you for elder care or child care incurred as a result of the insured’s efforts to amend or rectify records as to the insured’s true name or identity.
   7. Reasonable and necessary costs incurred by you for the replacement of identification cards, drivers licenses and passports as a result of a stolen identity event
   8. Reasonable and necessary costs incurred by the insured associated with the use of any certified public accountant engaged to amend or rectify records as to the true name or identity of the insured as a result of a stolen identity event. We reserve the right to select such certified public accountant; however, with our express prior written consent, you may select such certified public accountant.
   9. Reasonable and necessary costs incurred by you to conduct a property title search for a residential property in response to a stolen identity event
   10. Reasonable and necessary costs incurred by you to obtain background check reports in order to amend or resubmit a job application or residential lease application in response to a stolen identity event.
   11. Reasonable and necessary costs incurred by you to resubmit a residential lease application in response to a stolen identity event
   12. Reasonable and necessary costs incurred by you to obtain copies of educational transcripts and/or occupational licenses in order to amend or resubmit a job application in response to a stolen identity event.
2. Lost Wages

   Actual lost wages earned in the United States, whether partial or whole days, for time reasonably and necessarily taken off work and away from your work premises solely as a result of your efforts to amend or rectify records as to your true name or identity as a result of a Stolen Identity Event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days and excludes business interruption or future earnings of a self-employed professional. Computation of lost wages for self-employed professionals must be supported by and will be based on prior year tax returns. Coverage is limited to wages lost within twelve months after your discovery of a Stolen Identity Event.

3. Legal defense fees and expenses

   Reasonable and necessary fees and expenses incurred by you with our consent for a lawyer approved by us for:

   1. An initial consultation with a lawyer to determine the severity of and appropriate response to a stolen identity event.
   2. Defending any civil suit brought against you by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of a stolen identity event.
   3. Removing any civil judgment wrongfully entered against you as a result of the stolen identity event.
   4. Defending criminal charges brought against the insured as a result of a stolen identity event; provided, however, we will only pay criminal defense related fees and expenses after it has been established that the insured was not in fact the perpetrator.
   5. Challenging the accuracy or completeness of any information in the insured’s medical history as a result of a medical identity theft. It is further agreed that solely with respect to subparagraph (c) the insured, with our express prior written consent, may select such attorney.
   6. Court filing fees for an action to quiet title on a residential property in response to a stolen identity event
   7. Challenging the accuracy or completeness of any information in the insured’s background check report as a result of a stolen identity event.
4. Unauthorized Electronic Fund Transfer Reimbursement

   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.

A Stolen Identity Event means the fraudulent use of your name, address, Social Security number, bank or credit card account number or other personally identifying information or other method of identifying you. This includes, but is not limited to, the fraudulent use of your personal identity to establish credit accounts, secure loans, enter into contracts or commit crimes. Stolen identity event shall include Medical identity theft. Medical Identity Theft means the theft of the insured’s personal or health insurance information to obtain medical treatment, pharmaceutical services or medical insurance coverage. Medical identity theft also means the theft of the insured’s personal or health insurance information to submit false claims for medical services or goods.

A Stolen Identity Event does not include the theft or unauthorized or illegal use of your business name, d/b/a or any other method of identifying your business activity.

Unauthorized Electronic Fund Transfer means an Electronic Fund Transfer from your account initiated by a person other than you without the actual authority to initiate the transfer and from which you receive no benefit. An Unauthorized Electronic Fund Transfer does not include an Electronic Fund Transfer initiated: (1) by a person who was furnished the access device to your account by you, unless you had notified the financial institution that transfers by such person were no longer authorized; (2) with fraudulent intent by you or any person acting in concert with you; or (3) by the financial institution or its employee.

Coverage Scope

Stolen Identity Event

The Master Policy provides benefits to you only if you report a stolen identity event to us by the contact number stated above as soon as you become aware of a stolen identity event, in no event later than one hundred twenty (120) days after the stolen identity event is discovered by you and you follow the instructions given to you in a claims kits that you will be provided. These instructions will include notifying major credit bureaus, the Federal Trade Commission’s Identity Theft Hotline and appropriate law enforcement authorities. This claims kit will also instruct you how to file for benefits under the policy if the stolen identity event results in losses covered under the policy.

You will only be covered if a stolen identity event is reported to us within one hundred twenty (120) days of discovery. You will not be covered if the stolen identity event first occurs after termination of the master policy or termination of your membership in the Master Policyholder’s program.

Unauthorized Electronic Fund Transfer

The Master Policy provides benefits to you only if you report an Unauthorized Electronic Fund Transfer to us at the contact number stated above as soon as you become aware of a Unauthorized Electronic Fund Transfer, but in no event later than one hundred twenty (120) days after the Unauthorized Electronic Fund Transfer is discovered by you.

You will only be covered if an Unauthorized Fund Transfer: (1) first occurs while you are a member of the Master Policyholder’s Membership Program, and (2) is reported to us within one hundred twenty (120) days after your discovery of the Unauthorized Fund Transfer. You will not be covered if the Unauthorized Fund Transfer first occurs after expiration or termination of the Master Policy or termination of your membership in the Master Policyholder’s Membership Program.

LIMITS OF INSURANCE

The most we shall pay you are the Limits of Insurance shown above. All Legal Costs shall be part of and subject to the Aggregate Limit of Insurance. LEGAL COSTS ARE PART OF, AND NOT IN ADDITION TO, THE LIMIT OF INSURANCE.

The Lost Wages Limits of Insurance shown above are sublimits of the Aggregate Limit of Insurance and the most we shall pay you for Lost Wages.

DEDUCTIBLE

1. You shall be responsible for the applicable Deductible amount shown above and you may not insure against it.
2. You shall be responsible for only one Deductible during any one policy period.

DUPLICATE COVERAGES

Should you be enrolled in more than one membership program insured by us, or any of our affiliates, we will reimburse you under each membership program: