LEGAL SHIELD (PRE-PAID LEGAL SERVICES, INC )

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IDShield Covered Services Restoration Services $3 Million Identity Fraud Protection Plan IIDShield provides a $3 Million Identity Fraud Protection Plan, provided by a leading national carrier. This policy provides reimbursement for expenses and financial losses incurred as a result of identity theft—such as: • Lost Wages • Cash Recovery for Stolen Funds from Unauthorized Electronic • Travel Expenses Fund Transfers(subject to a$1 million sublimit)* • Elder and Child Care • Loss from Financial Accounts Including 401ks and HSAs(subject to a $1 million sublimit)* • Initial Legal Consultation *This coverage Is part of and not in addition to the Expense Reimbursement.See • Certified Public Accountant Costs a Protection Plan for corrplete terms,coverage,conditions, limitations, and family members who are eligible under the Protection Plan. Full-Service Restoration If an identity theft event does occur, our Licensed Private Investigators will do whatever it takes for as long as it takes to restore a participant's identity to its pre-theft status. The investigator will work on a participant's behalf to resolve the issue by working with the appropriate government agencies, financial institutions, credit bureaus and collection agencies. No other company offers this high level of professional service. With the IDShield Family plan, restoration services are provided to dependent children aged 18-26 and dependent parents of the participant and/or participant's spouse/domestic partner. As part of the restoration process,the assigned LPI will: • Organize details of open identity theft issues and search for other instances of identity theft. • Review with the participant their credit history and verify if fraud includes items such as: —Public records (liens, judgments, bankruptcies) — Credit accounts (new and/or derogatory) —Addresses —Prior employment • Explain the participant's rights, process and responsibilities involved. • File fraud alerts and disputes with reporting agencies and creditors as needed. • Obtain a Limited Power of Attorney authorization, which allows the LPI to take actions on behalf of the participant. Authorized as a Limited Power of Attorney, the assigned LPI can then: —Issue a fraud alert to all three credit bureaus. — Notify the Social Security Administration (SSA). —Notify the Federal Trade commission(FTC). —Notify the U.S. Postal Service(USPS). —Work directly with financial institutions and credit card companies to resolve any disputes. Throughout the restoration process, the Licensed Private Investigator will provide status updates and ensure the participant's identity will be restored to its pre-theft status. 21a