IDProtect®helps to better protect you, joint account holders, your spouse,

dependent children up to age 25 and parents living in the same household as the accountowner, for an identity fraud event, financial or otherwise, even if the event has nothing to do with your account at Leatherstocking Credit Union.

IDProtect service not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and coversthe grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).

Fully Managed RecoveryComprehensive Identity Theft Resolution Services – A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your identity is restored.

Identity Theft Expense ReimbursementUp to $10,000 Identity Theft Expense Reimbursement1 to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records. (Refer to Insurance Document for complete details of coverage.)

Monitoring (Registration/activation required to receive all of these benefits.)

Total Identity Monitoring – monitors your Name, Address, Date of Birth, and Social Security Number in morethan 1,000 databases to determine if your identity has been compromised – this is also a good way to protectand preserve your child’s identity.

3-in-1 Credit File Monitoring2 – provides daily monitoring of your credit reports with Equifax®, Experian®,and TransUnion® for key changes to your reports. Alerts are sent via email or text message.

3-in-1 Credit Report – request a new report every 90 days or upon receipt of a credit alert.

Credit Score – receive a new single bureau credit score with every new credit report. Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

Debit and Credit Card RegistrationRegister your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration/activation required.)

Educational Resources/News CenterGet advice on ways to protect yourself from identity theft, read educational tips and accessvaluable online resources and news related to identity fraud and credit. (Registration/activation required. Available online only.)

1 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Refer to InsuranceDocument for complete details of coverage. Insurance is offered through the company named on the certificate of insurance.

2 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

Protection Plus Checking

Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

Activating Your Protection Plus Checking® AccountRegistration and Activation

1. Go to www.idprotectme247.com and follow the simple step-by-step instructions to register and activate benefits, or

2. Call 1-877-610-7889 for questions related to any of the benefits and services, or for assistance with registration and activation.

A Protection Plus Checking Account offers an identity theft protection service for you, your family, and joint account owners:

• Credit Monitoring – daily credit file monitoring and automated alerts of key changes to yourExperian Equifax and TransUnion credit reports (registration/activation required)

• Total Identity Monitoring – continuous monitoring of over 1.000 databases including credit, SocialSecurity, public records, real property records, telephone and may (registration/activation required)

• 3-in-1 Credit Report – request new 3-in-1 report every 90 days or upon receipt of credit alert(registration/activation required)

• Credit Score – receive new single bureau credit score with every new credit report(registration/activation required)

• Up to $10,000 identity fraud expense reimbursement coverage – for expenses associated withrestoring your identity

• Fully managed Identity Theft Resolution Services and Personal Information ManagementProgram – (for a full list of benefits and services – visit www.idprotectme247.com)

• Access to a dedicated fraud specialist assigned to manage your case who will work with you untilyour credit and identity are restored.

• Identity theft recovery case plan to inform you of the recovery process

• Debit and credit card registration (registration/activation required)

• Online identity theft news center and valuable phone and web resources