Certificate of Insurance

For the Personal Internet & Identity Coverage Master Policy

This Summary is provided to inform you of the benefits included in our Master Policy. Eligibility to these benefits is subject to the specific terms of your identity protection product subscription. This Summary Description of Benefits does not state all the terms, conditions, and exclusions of the Policy. Your benefits will be subject to all of the terms, conditions, and exclusions of the Master Policy, even if they are not mentioned in this Summary. A complete copy of the Policy will be provided upon request.

The Master Policy has been issued to: Ocenture LLC (the Master Policy Holder). Policy Number: 7076841 underwritten by: Chartis Specialty Lines Insurance Company (the "Company"), a member company of Chartis Inc., to provide benefits as described in this Summary.

COVERED EVENTS

We shall pay the insured for loss, less any applicable Deductible, resulting from a stolen identity event including, but not Iimited to, a stolen identity event occurring on or arising out of the use of the Internet. The stolen identity event must first occur during the policy period and be reported within 6 months of the occurrence.

COVERED LOSSES

• (a) Reasonable and necessary costs incurred by the insured for re-filing applications for loans, grants, other credit or debt instruments that are rejected solely because the lender received from any source incorrect information as a result of the stolen identity event.
• (b) Reasonable and necessary costs incurred by the insured for notarizing affidavits or other similar documents, long distance telephone calls, and postage reasonably incurred as a result of the insured's efforts to report a stolen identity event or amend or rectify records as to the insured's true name or identity as a result of a stolen identity event;
• (c) Costs Incurred by the insured for a maximum of six credit reports from an approved credit bureau (Experian, Equifax or TransUnion). The credit reports shall be requested within 12 months after discovery of the stolen identity event and the first credit report may not be requested until after the discovery of the stolen identity event; Coverage does not apply to any credit reports which may be available for no charge due to the stolen identity event.
• (d) Lost Wages
• (i) Actual lost wages, whether partial or whole days, for time taken from work and away from insured work premises solely as a result of the insured 's efforts to amend or rectify records as to the insured's true name or identity as a result of a stolen identity event.
• (ii) Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days but not for sick days or any cost arising from time taken for self-employment.
• (iii) Coverage is limited to wages lost within 12 months of the stolen Identity event and cannot exceed $500 per week for a maximum of four weeks.
(e) Legal Costs -Costs for reasonable fees for an attorney appointed by us and related court fees, incurred by the insured with our consent, for:
• (i) Defending any civil suit brought against the insured 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 the stolen identity event and
• (ii) Removing any civil judgment entered against the insured solely as a result of the stolen identity event.

DEFINITIONS

(a) "Stolen Identity Event" means the theft, unauthorized or illegal use of the insured's name, social security number, account numbers or other method of identifying the insured.
(b) "lnsured" means any natural person who is currently enrolled in membership programs of the Master Policy Holder identified as having coverage under this policy and scheduled with us.
(c) "Membership Program" means a membership program sponsored by the Master Policy Holder and that is specifically named within an endorsement attached to the Master Policy
(d) Policy Period" means the dates shown in the Master Policy.
(e) "Covered event" means stolen identity event; or direct physical damage to the insured's computer hardware; or damage arising out of a computer virus.

EXCLUSIONS

The Master Policy does not apply to the following as defined in the master policy:
(a) Dishonest Acts
(b) Bodily injury
(c) War
(d) Nuclear Reaction
(e) Electromagnetic Field
(f) Additional Damages
(g) Insured's Legal Actions
(h) Entrustment

POLICY PERIOD -DISCOVERY -The Master Policy applies only to a Stolen Identity Event, occurring anywhere in the world, which is either commenced during, or occurs wholly during, the Policy Period and is reported to the Company within 6 months of the LIMITS OF INSURANCE -The limit of the Company's liability per Insured for loss resulting from a stolen identity event under the Master Policy shall not exceed the applicable Limit of Insurance shown in the Declarations. Under the Master Policy, all losses incidental to an act or series of related acts or arising from the same method of operation, whether committed by one or more persons, shall be deemed to arise out of one occurrence and shall be treated as one loss. However, should one such act cause a covered loss to more than one Insured then the available Limit of Insurance under the Master Policy and the deductible amount shall apply to each Insured separately. Regardless of the number of Membership Programs that an Insured is a member of, the Company's liability to such Insured for loss covered under the Master Policy shall not exceed the applicable Limit of Insurance shown in the Declarations.

DEDUCTIBLE -The Company shall be liable only for the amount by which any loss exceeds the applicable deductible amount as shown in the Master Policy. This deductible amount applies to each and every loss and shall have no aggregate limitation.

RECOVERIES -Any recoveries, less the cost of obtaining them, made after settlement of loss covered by the Master Policy will be distributed as follows:

• (a) first, to the Insured, until the Insured is reimbursed for any loss that was sustained by the Insured that exceeds the Limit of Insurance and the Deductible Amount if any:
• (b) then to the Company, until the Company is reimbursed for the settlement made: and
• (c) then to the Insured until the Insured is reimbursed for that part of the loss equal to the Deductible Amount, if any.
Recoveries do not include any recovery from insurance, suretyship, reinsurance, security or indemnity taken for the Company's benefit.

OWNERSHIP INTERESTS COVERED -The Master policy shall be for the sole use and benefit of the Insured's and the Master Policy Holder. It provides no rights or benefits to any other person, entity, or organization.

INSUREDS DUTY WHEN LOSS OCCURS -Upon knowledge or discovery of loss or of an occurrence which may give rise to a claim under the terms of the Master Policy, the Insured shall give notice thereof as soon as practicable to the Company, and file detailed proof of loss, duly sworn to, with the Company within six months after the discovery of loss. If the loss involves a violation of law, the Insured shall also notify the police.

Upon the Company's request, the Insured shall submit to examination by the Company, subscribe the same, under oath if required, and produce for the Company's examination all pertinent records, all at such reasonable times and places as the Company shall designate, and shall cooperate with the Company in all matters pertaining to loss or claims with respect thereto. Compliance with all terms and conditions of the Master Policy are conditions precedent to recovery under the Master Policy. The Insured shall keep books, receipts. bills and other records in such manner that the Company can accurately determine therefrom the amount of any loss. At any time subsequent to the reporting thereof to the Company, the Company may examine and audit the Insured's books and records as they relate to a loss under the Master Policy.

OTHER INSURANCE -If there is any other valid and collectible insurance which would apply in the absence of the Master Policy, the insurance under the Master Policy shall apply only as excess insurance over such other insurance.

ACTION AGAINST THE COMPANY -No action shall lie against the company unless, as a condition precedent thereto, there shall have been full compliance with all terms of the Master Policy, nor until 90 days after the required proof of loss has been filed with the Company, nor at all unless commenced within two years from the date when the Insured first discovers the loss. If any limitation of time for notice of loss or any legal proceeding herein contained is shorter than that permitted to be fixed by agreement under any statute controlling the construction of the Master Policy, the shortest permissible statutory limitation of time shall govern and shall supercede the time limitation herein stated.

SUBROGATION -In the event of any payment under the Master Policy. the Company shall be subrogated to all the Insured's rights of recovery therefor against any person or organization, and the Insured shall execute and deliver instruments and papers and shall take whatever other actions are necessary to secure such rights for the Company. The Insured shall not take any action after the discovery of any loss that would prejudice such rights.

CHANGES -Notice to any agent or knowledge possessed by any agent or by any other person shall not effect waiver or a change in any part of the Master Policy or stop the Company from asserting any right under the terms of thee Master Policy; nor shall the terms of the Master Policy be waived or changed, except by endorsement issued by the Company and made to form a part of the Master Policy.

ASSIGNMENT -Assignment of interest under the Master Policy shall not bind the Company until its consent is endorsed herein.

CONCEALMENT OR MISREPRESENTATION -The Master Policy is void as to any Insured if, at any time, said Insured intentionally conceals or misrepresents a material fact concerning a claim under the Master Policy.