American Bankers Insurance Company of Florida ‘A Stock insurance Company 11222 QuailRooet Dve, Nim, FL 88167-0506 (905) 259-2246 IDENTITY FRAUD BLANKET POLICY INSURING AGREEMENT “We will provide the insumnce described ie thie Policy vo latlon members in retain for: the payment of premium: and compliance vit all applicable provisions of dis Policy. Various provisionsin this Polcy resrctcoverige. Read the entire Policy enrefily to detcrmine righ’, duties and what sand is not covered COVERAGE Identity Fraud - Expense Relmbursament ‘We will einbuse the cstociation member for expenses snd legal costs incared bythe atsociation member, lee ‘ny deductbies set forth on the Declaavons Page, as the diet result ofthe following: A. Fraud or Embezrlement For lose sising out of feavd or embezslement perpesscted aghast the association members Jung the teem of the memberthip, B, Tach For loss resulting directly fom theft of propery: related to the sesociation member's infomation, ccheckvook, savings record, AT acces or secaities {rom the tsocietion member, during the term ofthe membership, bya pevvon from whom the ascciation ‘member purchased goods or services, Forgery For loss rsuhing diecth fromm forgery ox akerstion of ehechs, dele, promissory notes, or sa weit [romuses, ordes or cirecaons to pay money that ae 1 Made or dtawn by or drum apon the roslation member's accouny, oF 2 Nade or drawn by one pusporting to act 1s the ‘attaciation members sgt D, Data Breach For loos sesuling diccedy rom the mine of Association member's inforation as a result of a data compromise of information fiom # Ensncial inutirwrinn a credit eporting agency, a credit gator or a secures fir that results in enonis stolen from ‘he carociation member's accouat ox minute of dota 1 obmin propery, credit or monice using the Association member's inforation B, Stolen Identity Event For lose reruiag from 4 etolen identity event ‘occuring on or aiing out of the wie of te Interne’, The occurence mst be ing the te of the membership. “ Emergency Cath / Cath Recovery We wl provide ihe fom_member an Emeigensy Cah or Cash Xecoverybeaef initeé to payment for one occurence within op 12 conse martha of the term ef the mmentenipnotroesceed th tt obi shown ihe ‘Decustons Pge in the eves the aetoiation member cxpeinnes te flowing erent ‘A. Emergency Cath Association member seposts wallet lest or etolea to a aw enforcement agency wile ‘aveling atleast 100 mies fcom homes, Or B. Cash Recovery tndidonal credit cards, prepaid edit cards, and devi zd deducubles, and/or farce dimely dmwn fem the association member's mobic device (act phone), or checking or savings accovnt should the sstociation member. have documented fost funds due 10 ao at of feaud, embezzlement theft, forgery or data breach which Ihave aot bean srenvered We vill pay up (0 the limit of insurance shown on the [Dedacations Page. DEFINITIONS We, Us, and Our means Amescan Bankers Ineurtnce Company of Rorida, ‘Access Device means sexed fincaing credit deve and ATM ‘crde), code, PIN, paniword, pevsonal check or ether salle means of accest 10 the association member's accouni it a financial insiaion thatenay heat bythe aatocl a member to gain acceus to sid account forthe purpose of withérewing oF tnansfering Conds, making purchates or making long dance or cellular /aigial (ose Telephone eal ‘Association means Consumer Assist Network Astocston, Jc, cr any other eligible asocntion, sponcor, employes, business OF covyy named as Polgybobder on te Declarations Vage. ‘Avsoclasion member mein a member, customer, ctdholier, hoeeower, ‘00d seundicg withthe Mas ‘who hat pad the membership fee, produet fee; and 1. whote aime is shown on the envollment regieaton Data Bresch means the mitses of the avvocis 3x employee of the Master Polihalder who isin + Policyholder: form. a member's ‘nfounation asa resuk ofa data compromise ofnfermation from + ficial ines (oF 4 secures Gem tim results in moaiee olen om dhe ced parting agency, a cxedit geintorsrtociation member's accouns of misuse of dita to obttin ‘credit or monies using the association members iaformstior, Date of Discovery occurs when the association member fist becomes sware offacts which would cause a eatonable person sume that alone covered by this insurance hss been or wll be incuraed, eventhough the exact amount or details oftove may not then de hnown. Discovery alo ecesis when the aaaociation member receives ncce of an stl or potential cum agaist the atsociation member involving lose coveced under thit Direct Lots means # loss which occurs directly and immediatly ‘when x covered cause of lose affects covered propery. penses mese: 1. Costs incurred by the atseciation member for re-ling ‘pplicetions fer loses, grant, or other credit that ace ‘ejected solely because the ender received fom sn roarce Incomrect information ag axel of the identity fraud, 2. Costs for somizing aftavits or other tna documents, Jong distance tdepkoae cil, travel end postge rexsonshiy incurred au ces of the association member's elfors 10 report an ideatigy fraud or amend o rectify recoeds 43 10 the association members true azme or identhy ara eel of an identi fea; 3. Conte for contesting the scouney or completeness of any informadon connized in x credit sepor follwing en ideotity fraud; Payment for reasonable expenses incored thet were 4 result of eecovery fiom an identity fraud such af credit ‘reae, exe haw cos, transcript costs, appeal bond, court, fling fees, expen witness or cour fees ‘Actual ost bate wages that would have been ested for time easonabl; and acceresely token off work solely +69 tes (of effons 10 amend or aecfy ecouds as 10 the eesociation ‘member's idenity 1s a cent of an identity fend. Acro lost wages induder ‘somunenstion for vaenton diye, clscretionny das, Noting holidays, and paid pecsonal cays ‘bat not for sick dass or any cost arcing from time taken from selfempleyment. Coverage is limited 10 base wages ‘within 12 months afer discovery of an identity fraud. ‘Chitd oF edly cate costs that would have otecwise not been incurred, resulting from tane ressontby ind corsa then any rom providing euch care v#. ert of effouts to amend or recy records nt the association ‘member's identity a «rel! of an identity fraud. Family member means the spouse, paren, siblings, chibsen, relations by marcage and/or any other member of, 1 peseont residing inthe association member's houtencld Forgery means the signing of the ams of ancther person or ‘cganization with invent to deere it does not mean a signature, which consists in whole o: in part of one's own atme signed, in nay capacity, for any purpose. Fraud or emberslement ntane Pon 1. An eleexonic, telegraphic, cible,teleppe, telefacsimde or telephooe inttriction which purports to. have been ‘tonsmited by the arsociation member, bat which was in fact finudulemly transmined by tomeone dee without the ion member's owledge or cons oF ‘A witen instruction issued by the eevociation member, Which war altered by someone oiler than the association member, or purported to be ised by the association ‘member but was forged or fnadulzedyisued without the aeociation members bnovledge or coesent cr 3. Am electronic, jclepeaplic, cable, tleype, tlelasimile, telephone or wetter snstricion inidally racsived by the ‘association member which purpons io have ‘been teinsmited br an empleyee but which wis in fier vudulenth tmasmitted by soiicoae dss without the association member's or the employee's knowledge of content. Identity Fraud aeaas the act of knowingly transfering orig. thot hwfal authori, # meant af ‘dendfcaion of the ocintion member wth theintent 10 commit, ort ad or abet, ‘say unlnwtul seit that constitutes a violation of Federal, State ‘loca law. Loss mens the expenses and legal coats incurred by the steociation member vs de dice zsul of s coveted tansicson, Legal Costs meses the cont for easonable foes for en eeecacy appoined us fer out legal nctwork provider or coits, up 102 smasimum of 575 per hour, for seascnable fee for ar attorney telocred by the aveociation member and seated cour fees, incurred by she association member wth our consent, foc; 1, Defence of any legal acon brought aguas the association ‘member by & merchant, creditor oF eellecion agency ot ‘enttyseting on thee babalf for nos-payaseat of goodh o: services or defusion «loan asa ses of the enti fraud 2 Defense of or theremnvalof any criminal ex civil judgment ‘wrongly catesed nga the asrociation meraberas arena of identiry fraud ane 3. Challerging the sceurtey or complotoncis of any snfowmation ia s consumer ered seport, Legal network provider mesa: the entity contacted with us 10 provide acess 10 a mitonwége network oF guild atiomeys 10 Derform pre-negotiated services at aprenegatianted rate Occomence means an incident of an actos or anempted fraudulent, dishonest or criminal act or cries of colatd et whether commited by one or more persons Ocosmrence date means the east po le date of discovery Policyholder means the entity identified on the Declarsions Page of this Policy. Proof of Lost means reevipts for sestonable out of pocket expenses Stolen Identity Brent mezns the theft, aneuborzed o¢ lel ‘se ofthe association members nite. socal seaunty number, or other method ofidectfying the areociation member,EXCLUSIONS. ‘This Policy dees not cover: loss due to way fraudulent, clishonest ox cximiaa at by the sesocintion member or ay perso sctng in concer wth the association member, of immediate family member, whetheracting alone ori collusion with ethess loss resuling ditety oe indivetly fom any extort or omissions oecxerng n the following actions 1. the inpu of data to any computer ester; or 2. the procening of ext be ary computer system oF 3. dhe manual or cleionic processing of any oupat produced by any compotee sytem Joss resaling direct or indiecty from the voluntary surrendeding by the association member of say access device, ia whole orin pat, co ary perton or entity, lose renting om any unintetional clscal enor in the transfer from or debit of aay account of the associate, member which is inared by» Rrancial nettinn, or a0) cemployees) thereof. Howeves, this exclusion shall not apply fo a fraudulent act of an employees) of # financial insiraton where said employeo() ie acting without the ‘permission ocsstruction of thei employer, lose in connection with any pre-authodzed tansfer fiom Any account to or forthe benefit of firancal institution, oF to any athe: account ofthe seraciation member, inditect or consequential Toss of any asture: toss of potenti! income not realized by the association member; Joss other than expenses; oss resuking (rom an enti fraud that was discovered [ior to the effective date of tht Paliy las arising out of business pursuin of the astociation member, loss of valubie papers, vuluble documents, jevely, siivervare and other pectonal propery inching the phihtelic value of stamps and the nbrelimatic value of eins property damage, boll injury or personal njarys lowses incursed from Goncial performance of any investment of finaacal product, lose from games of chence; to Coverage, Section items AF, to recovery of atiat al loeses of ony hind from ects of feaud oc Went, thet 5 0 Coverage, Section Ul, Emergencr Cash / Cesh Recovery, to losses other than iridtional xed cards, pre- pid rediccards,and debi acd deductbles, cash and furds Pa directly deava from 2 mobile device (smart phone), checking or sings secount. Al other menstey devices ae exceeds aims or dosages tat are not covered under the provisions ofthis Plic; for legal fees in excess of $°5 per hous, ny lose which occurred vhile the astocladon member Was not aa acive and paid astociation member of the CONDITIONS shall nor exceed the appbeable nut sated on the Dedaations Page All loss incident (oan senual or attempted feauduleat, dishonest or csiminal act or sericr of related aes, whether committed by one ot more persons, shall be desimed 10 aise our of one oecarrence, Our tom aggregate limi of abiiey showa on the Declantions Pe willbe the maximum monot we wl pry. for all covered lossee per azeoeiation member seguscless ofthe number of losses that eccur for aay one association member daring tne term of the membership. Lose Payment ‘Wexilpay as lots covered under his Poe wai hey 00 daya er 4, Wererch azeement wih the asso 8. The ety ofl judgment jon member; or ‘Notice of Claim must be given to us by the asseciation member a. tawiting: and Bb. within a matonsble time period after the date of discovery Seedement of Claime ‘We vil pay all covere claims within sinery (90) days fom, the dite We ective seceptible proof af lows er our ofc. Duties When Lovs Occurs - Upon lnowedge or discovery of ots or of n oceureence which may give rive toa chisn under the teems of this Policy, the atsociation is responsible for notifing the antociation member of the (allowing requizcnents: 8. Give notes se soon as peteacable to: (1) the sppropriste authori and flected insinatons if applicable nd veer my of our muorined agents, Ifthe loss invelvesavielton of av, the association member ll aso nett police, ‘The autectation ‘member must aubmit 2 copy of the police repoxt ‘when filing claim,% File deuiled proof of loss, duly sworn 10, with us within ssty (0) days ater te discovery ofl ‘6 Upon our request, submit 10 examinaon bs ws, and snlscebe the same, underoath iftequced; 4, Upon our request, coopeme to help us enforce legal sighte against eayone who may be lable co the sssociation member to include giving evidence ane needing depositions, hearing and tle, Produce fo our extination sl pertinent reconds © Cooperate wit usin al aters pening to Joes os dain; For Cath Recovery, the association member must nuthorize the Financia insttwtion to provide certified Aocummentstion dicey tous, sigoed by nn authoueed nancial institution representaive. This Aecamentstion must indeste that finds were fvuduleny removed, the mount ofthe los, the type Of the loss sulfered tad eorfirmation that Funds ace rnon-secoversble fom the foncil inainaions and hh, For Emergency Cath the aszoctation member vet ibmait n copy of © police repost fom Inv tnforcement agency within the jarsdition in which the wallet wae lost ox stolen. all arsuch reasonsble nes and places se we sll desigrae ‘The association member shal not voluntary assume oF mit aay ably, tom except st eid aapcciation member's own ost, voluntary make iny payment or incur any expense without our pao wit conseny, sch consent ott be uaressonsbl; wihbeld. “The asrectation member shill keep books, recsips bile ind other reconds 1a such manses tat we can acctrately determine the amount of any loss. .\ any time subsequent to the repostingof the lose to ws, we muy examine aad ant the assoctation member's hooks nd records as they lane talons under thie Pac. ‘Transfer of Rights of Recovery Against Others to Us - Uf eny pean oF oigenization to oF for whom we male payment under tis insurance hn ights (0 lecorer Gamages ‘from another, those rights are tanafeted 10 vs. That person or organiaaion rust do evenithiag necetery 12 secure our sights and swust do nothing fo inpas them, Assignment - This Poly may not be assigned to another pperton without our writen consent. We will have no inbliy ander this Policy in the case uf psgoment without such vairen consent Other Insurance - This inewronce ip excess in the event covenige is provided under aay other polley/eersgeste. Action Ageinst Us — No scion may be brought aginst us ‘ales there his been full compliance with all ofthe terms tod condions ofthis Policy and sult in Gled within twenty 10. 1. four (24) months from the date ofaccurtence. No one wal Ihave the sight te jpia we as a pany to any against the olicyholder or association member, Cancellation of Policy - This Policy my be eanected by the polleybolder for any tesson upon thisty (30) cays ‘written notice tous and each effected association member sting when thereafer the cancelation shal be efecve we cance, the serum premium will be computed pro sts, Uf the policyholder requests cancelltion, the setnen Premium wil be coorputed proce, ‘We may cancel this Policy by mailing to the potieyheldes st the maling mdress shown in dhe poli and 10 exc affected association member st thei lst knovm edésees \witten notice at leas sixty (6) day, ox ten (10) days based ‘pon non-payment of premium, bofor the date cancelation takes effect. The waiten notice wil state the reaton for cancellation When thi Foley has en in efiect for sixty (0) dare or more, we may cancel for oxe or moxe of the following fe noxpaymnent of psmuan conviction ofa xime arising out of ats incrensing the hissed insured opuinst, 6 discovery of faud or maredal misrepresentiionin the obtining of the Policy ox ia the presentation ‘of sam thereunder; 4. Gawd, © fille 10 comply with lose contiol recommeadations; floss of orcliangesin reinsurance enteral incre in hazard das vo changer in stataory or ete la 1h. lose of or change in capac; ny other reasons appuoved by the commissioner, Upon cancelation esis () for coverage under this Paley that ive a proren occurrence date dunag the Policy coverage dates will be covered, should the elim be filed within ninety 0 daye post cancellation and within sixty (60) days from aste of eiscovery. ‘We my elect aot to renew thin Policy. We tray do s0 by {éelvering othe policyholder at theie acess shown in the Declarations, waten noice at eet ect (60) dage befor the saversary date of this Policy which is wuiten for an indefinite term. The writen notice will state the ceason for Nenrenevral. Proof of mailing wal be sullen proof of noice. ‘All coverage wader thi PoUey wil terminate at the sae time asthe Policy AU notices of amcelistion and noncenewal wil contain the specific enton for eanedatcn and nonrenewal Concealment ot Misrepresentation - This Policy is wid 438 to any policyholder if, a any time, sid policyhelder or any aseoctation member hos2. B. ‘a. imtenvonaly concealed or missepresenied + mateil factor circumstance; 1 cogeged in faudlere conduct; ox mae flue statements selling to tis Policy. ‘We shall no belisble ro any association member for loss suffered at 2 reouh of action or inction by the ‘policyholder, inciuding such action or inecdon as may reultin wodance of caverge Conformity to Statute: ‘This Pelicy is umended 19 comply ‘withthe stanstes of the jareiction: 4 where itis sued and 1. on the effective date, [Reporting ~ The association is 10 send os eepors on + form provided by as. This form sll include the mimes and addrcises of the sraociation members eniided to she Dene6ts under ths Poicy. The association is 16 vend the report ao lster than the Efteents (13) day of the month following the seportng period 14 Examination of Books and Records - We ma) examine 1nd sudt the association's books and records te hey rate (0 this Policy ata muniely agreed ume and place dusig the coverage period and up to thee (3) yeereafterwnd ‘Appraisal ~ Inthe cme the policyholder and we shal fil, to agree 16 the actual cash value ofthe amount of let, then, on the waiten demand of either, exch shall select 4 ‘competent and disinterested appruser and notify the other of the spprisoe selected within rweary days of auch demand. "The appraisers tall Get select competent and disinterest umpie: snd fing for Sftesn (15) cays to ageen ‘pon such umpice, then on segues the policyholder o¢ ws, such umpire shall be selected by judge oft court of record in the stare in which the propery covered is located. The appraisers shall then appraise te loss, stating sepaitely sctunleash value and lois to ezch item: and fling ta, ‘ach suet thee differences enlytothe wpe, «Aa aad in waiting, 10 itemized, of sry two when Bled with us sal. etezmine the ansoun' of aca cath valve and leet. Rach apprsisr shal be pri by the party electing him and the Spenss of appeal and rp stl bpd by he pares qual. WITNESS WHEREOF, we have cansed this Policy tobe signed by'its authorized Company offices end countersigned (uhere requied by In) on the Declarations Page by a duly authored raprenemae. re ee