Protect Yourself Now, Protect Yourself Plus and Complete Protection Packages

Benefits designed to maximize your convenience, savings and security

The Federal Trade Commission (FTC) estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. The crime takes many forms and often you may not be aware of the theft until you review your credit report or a credit card statement and notice charges your didn't make — or until you're contacted by a debt collector. Help protect yourself and minimize potential damage with our valuable protection program. With this program, not only are you covered in the unfortunate event that fraud occurs, you receive proactive protection to help prevent identity theft. Ask us today how you can protect yourself from this ever-growing crime.

Protect Yourself Now Package

$10,000 Accident and Dismemberment Insurance

You'll be protected with $10,000 in Accidental Death and Dismemberment Insurance 24 hours a day.

Identity Theft Insurance with Fraud Assistance

You'll have up to $2,500 in financial compensation for qualified expenses incurred in the recovery of your stolen identity. Included in this benefit is Fraud Assistance, a comprehensive service designed to help with the hassle of clearing your good name. You'll receive expert help to assist you in organizing paperwork, advising you about notifying creditors and more. (This coverage is now available to residents of the state of New York.)

Card Patrol

Identity thieves care about one thing — stealing your personal information and selling it to make money. Our sophisticated, real-time, early warning technology monitors various chat rooms across cyberspace for your personal information. In the event that identity theft occurs, you will be assigned a personal caseworker to take you through the resolution process.

Card Patrol monitors personal information on the Internet by searching public databases and chat rooms. It is impossible to ensure all sources of information have been searched; therefore, your reports may not contain or apprise your of all your personal information that may have been compromised.

Credit Alert®

With 24-hour, daily credit monitoring, you'll be alerted automatically of certain negative changes to your credit. While it can't prevent identity theft, Credit Alert® can greatly reduce its impact by allowing you to minimize the damage. If there are no changes to your credit, you'll even receive a quarterly notification letting you know that nothing has changes. Your initial enrollment in Credit Alert® will be valid for one year with an option to re-enroll at no additional cost!

Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert® service may be modified or improved at any time and without prior notice. Credit Alert® is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, significant changes in credit score, certain derogatory information, or accounts that have been added to their credit reports as reported by one of the three major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert® service, or its credit information subcontractors, nor Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert® reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.

Cash Rewards

How would you like to earn $100... $200... $300 or more just for shopping? Now you can earn money back by making purchases through the Cash Rewards website. Register your credit or debit card and start shopping. It's that simple! Your cash rewards will be automatically refunded to your registered card on your monthly statement.

You must access the retailer's link through the website provided and use the credit or debit card you have registered to be eligible for rewards. Credit will be issued automatically to your registered card within 90 days from date of purchase. Participating merchants may change at any time without notice. Certain restrictions and limitations apply.

My Concierge Service

Looking for a personal assistant?With My Concierge Service, your personal assistant awaits. Members have access to many valuable services, from recommendations and reservations to getting advice on purchasing decisions. Whether you're staying home or traveling, we make it easy for you to find information and advice on entertainment and sporting events, dining, shopping, household services and tourist information.

Protect Yourself Plus Package

The Protect Yourself Plus Package includes everything from the Protect Yourself Package and the following additional features:

• 50% Discount on Personal Checks or Bank design at no charge
• One Free Traveler Card every two years
• One Free NSF per year
• One Free Medallion Stamp per month
• One Free Notary per month

Complete Protection Package

The Complete Protection Packages includes everything from the Protect Yourself Plus Package plus the following:

• Free Paper Statement
• Free Bill Payment