This Summary Description of Benefits (the "Summary") is provided to inform you that as a member, you and each child of yours that you enrolled in Child Identity Protection (if applicable) are entitled benefits under the Master Policies referenced below. This Summary does not state all the terms, conditions, and exclusions of the master policies. Your benefits will be subject to all of the terms, conditions, and exclusions of the master policies, even if they are not mentioned in this Summary. A complete copy of your Master Policy will be provided upon request.

For residents of all States except New York: The Master Policy of Personal Internet and Identity Coverage has been issued to Consumerlnfo.com, Inc. and underwritten by insurance company subsidiaries or affiliates of American International Group, Inc under member policy 7077868.

For New York residents only: The Master Policy of Personal Identity Coverage has been issued to Discover Products Inc. and underwritten by insurance company subsidiaries or affiliates of American International Group, Inc under member policy 29106985.

GENERAL INFORMATION
Should you have any questions regarding Discover Identity Theft Protection (for purposes of this Summary Description of Benefits, the "Membership Program") provided by Discover, through its Provider (the “Master Policyholder”), or wish to view a complete copy of the master policy, please call customer service at 1-888-829-6558.

Limit of Insurance

Reporting a Stolen Identity Event
To report a Stolen Identity Event, please call customer service at 1-888-829-6558.

Filing a Claim
If you have any questions regarding the identity theft insurance coverage or wish to file a claim under the master policy, please contact the Insurer at 1-866-IDHelp2 (1-866-434-3572).

If the master policy is terminated, your benefits will cease effective the date of such termination. It is the obligation of the master policyholder to inform you of any termination of the master policy.

BENEFITS
We shall pay you for the following reasonable costs incurred by you as a result of a stolen identity event:

1. Costs

1. Costs incurred by you 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 a stolen identity event;
2. Costs for notarizing affidavits or other similar documents, long distance telephone calls, and postage reasonably incurred as a result of your efforts to report a stolen identity event or amend or rectify records as to your true name or identity as a result of a stolen identity event;
3. Costs incurred by you for a maximum of six (6) credit reports from an entity approved by us. The first credit report may not be requested until after the discovery of a stolen identity event;
4. 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. Costs approved by us, for providing periodic reports on changes to, and inquiries about the information contained in your credit reports or public databases (including, but not limited to credit monitoring services);
6. Costs incurred by you for travel within the United States incurred as a result of your efforts to amend or rectify records as to your true name and identity;
7. Costs incurred by you for elder care, spousal care or child care incurred as a result of your efforts to amend or rectify records as to your true name or identity;
8. Costs incurred by you for the replacement of identification cards, driver's licenses and passports, as a result of a stolen identity event; and
9. Costs incurred by you associated with the use of a 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.

Lost Wages
Actual lost wages that would have been earned in the United States, its territories or possessions, 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.

Lost wage reimbursement excludes business interruption or future earning 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 (12) months after your discovery of a Stolen Identity Event.

Investigative Agency or Private Investigator Costs
Costs associated with the use of any investigative agency or private investigators to amend or rectify records as to your true name or identity as a result of a stolen identity event. We reserve the right to select such investigative agency or private investigator; however, with our express prior written consent, you may select such investigative agency or private investigator.

Legal defense fees and expenses
Costs for reasonable fees for an attorney appointed by us and related court fees, incurred by you with our consent, for:

1. An initial consultation with a lawyer to determine the severity of, and appropriate response to, a stolen identity event;
2. Any legal action 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 astolen identity event;
4. Criminal defense for charges brought against you as a result of a stolen identity event. However, we will only pay for this after it has been established by acquittal or dropping of charges because you were not in fact the perpetrator;
5. Challenging the accuracy or completeness of any information in your medical history as a result of a medical identity theft.
6. Challenging the accuracy or completeness of any information in your tax history as a result of a stolen identity event:

Stolen identity event means the fraudulent use of your personal identification, social security number, or other method of identifying you. This includes the fraudulent use of your personal identity to establish credit accounts, secure loans, enter into contracts or commit crimes. Stolen identity event shall not include the theft or unauthorized or illegal use of your business name, d/b/a or any other method of identifying any business activity of yours. 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.

We shall reimburse you for the following in the event of an Unauthorized Electronic Fund Transfer:

1. for stolen funds loss resulting from unauthorized electronic fund transfers first occurring during the policy period and reported to the master policyholder within ninety (90) days of discovering the unauthorized electronic fund transfer.

An Unauthorized Electronic Fund Transfer (UEFT) is an electronic fund transfer from your account initiated by a person other than you without the actual authority to initiate such transfer and from which you receive no benefit. An Unauthorized Electronic Fund Transfer (UEFT) 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 have notified the financial institution that transfers by such person are no longer authorized; 2) with fraudulent intent by you or any person acting in concert with you; 3) by the financial institution or its employee; or 4) from any business or commercial account.

Stolen Funds Loss means the principal amount, exclusive of interest, incurred by you and caused by an unauthorized electronic fund transfer first occurring in the policy period. 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 shall not include any amount for which you received reimbursement from any source. Account means a cash, credit card, demand deposit (checking), savings or money market account of yours held directly or indirectly by a financial institution and established primarily for personal, family or household purposes.

COVERAGE SCOPE
Subject to the master policy's terms, conditions and exclusions, the master policy provides benefits to you only if: (1) you report a Stolen Identity Event or an Unauthorized Electronic Fund Transfer to the master policyholder at the contact number stated above as soon as you become aware of a Stolen Identity Event or a Unauthorized Electronic Fund Transfer, but in no event later than ninety (90) days after the Stolen Identity Event or Unauthorized Electronic Fund Transfer is discovered; and (2) you follow the instructions given to you by the Fraud Resolution Unit. These instructions will include notifying major credit bureaus, the Federal Trade Commission's Identity Theft Hotline and appropriate law enforcement authorities. You will also be provided with a claim form and instructed how to file for benefits under the policy if the Stolen Identity Event or Unauthorized Electronic Fund Transfer results in losses covered under the policy.

You will only be covered for a Stolen Identity Event if a Stolen Identity Event is first discovered while you are a member of the master policyholder's insured program and is reported to us within ninety (90) days of such discovery.

You will only be covered for an Unauthorized Electronic Fund Transfer if an Unauthorized Electronic Fund Transfer first occurs while you are a member of the master policyholder's insured program and is reported to us within ninety (90) days of such discovery.

You will not be covered if the Stolen Identity Event or Unauthorized Electronic Fund Transfer first occurs after termination of the master policy or termination of your membership in the master policyholder's program.

LIMITS OF INSURANCE
The most we shall pay you cannot exceed the Aggregate Limit of Insurance above. Legal fees and private investigator fees are subject to prior approval. ALL LEGAL DEFENSE FEES AND EXPENSES ARE PART OF, AND NOT IN ADDITION TO, THE AGGREGATE LIMIT OF INSURANCE FOR EACH INSURED.

The Lost Wages, Initial Legal Consultation, and Elder Care/Spousal Care/Child Care Limits of Insurance shown above are sub-limits of the Aggregate Limit of Insurance and the most we shall pay you for Lost Wages, , Initial Legal Consultation, and Elder Care/Spousal Care/Child Care.

OTHER INSURANCE
If you have other valid and collectible insurance, this policy shall be excess over such other insurance unless such other insurance was specifically issued as excess over this policy.

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 subject to the applicable deductibles and limits of liability of each insured membership program; provided, however, that in no event shall the total amount reimbursed to you under all membership programs exceed the actual amount of loss.