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A.DEFINITIONS

Throughout this COI, You and Your refer to the person who is a member in the Membership Program. Membership must not have expired or been canceled by You or LifeLock. We, Us, Our and State National refer to State National Insurance Company, Inc. In addition, when in bold, certain words and phrases are defined as follows:

Administrator means cynoSure Financial, Inc. Administrator has been retained to adjust all claims that are covered under the Master Policy. You may contact LifeLock at 1-800-LIFELOCK (1-800-543-3562) or Administrator if You have questions regarding this COI or would like to make a claim. Administrator can be reached by phone at 1-855-552-8999, by mail at P.O. Box 7691, St. Clair Shores, MI 48080, or by email at lifelock@cynosurefinancial.com.

Certificate of Insurance or COI means this document. The COI describes the terms, conditions and exclusions of coverage under the Master Policy. The COI is the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this COI are not a part of Your coverage.

Commencement Date means the date on which You become covered under the Master Policy, which shall be the earlier of October 1, 2011 or the date on which You become enrolled in a LifeLock Membership Program.

Coverage Period means the period starting on the Commencement Date and will continue as long as you are enrolled in a Membership Program with LifeLock.

Loss means any of the coverages provided under the Master Policy and described in Section B of this COI below.

Membership Program means those plans and programs offered by LifeLock to its Members both presently and in the future, including without limitation: LifeLock® services, LifeLock Command Center® services, LifeLock Junior®, and LifeLock Ultimate®.

Stolen Identity Event means an occurrence after the Commencement Date and before the Termination Date which includes a single act or a series of related acts, whether committed by one or more persons, of theft of Your personal information, including without limitation, Your personal identification, social security number, or other method of identifying You, or one or more uses of such stolen information to establish or use a deposit, credit or other personal account, secure a loan, enter into a contract or commit a crime. Stolen Identity Event shall not include the fraudulent use of Your business name, or any other method of identifying any business activity of yours.

Stolen Funds Loss means the principal amount, exclusive of interest or fees, incurred by You and caused by an Unauthorized Funds Transfer. Stolen Funds Loss does not include any amount for which You did not seek reimbursement from the financial or credit institution holding the account from which the funds were stolen or any amount for which You receive reimbursement from any source.

Termination Date means the earlier of the date You cease to be enrolled in a Membership Program or the date the Master Policy is cancelled or terminated.

Unauthorized Funds Transfer means a transfer of funds from Your account that is initiated by a person who does not have actual authority to initiate the transfer and from which You receive no benefit. Unauthorized Funds Transfer does not include an electronic funds transfer initiated: by a person who was given a credit or debit card or other access to the account, unless You have notified the institution holding the account that such person is no longer authorized to access the account; with fraudulent intent by You or any person acting in concert with You, or by the financial institution holding the account or its employees. Unauthorized Funds Transfer is limited to withdrawals from, deposits to, or utilization of any U.S. regulated and domiciled bank account, brokerage account, credit/debit card account, or store charge card account.

B. COVERED LOSSES

LifeLock members will be eligible to receive the maximum benefits for the covered Losses listed under the specific LifeLock Membership Program for which they have subscribed. 

Appendix A – Benefit Limits

This Appendix A identifies the benefit limits available for each type of Loss covered under the Policy for each Membership Program offered by LifeLock. You will be eligible to receive the maximum benefits for the covered Losses listed under the specific LifeLock Membership Program for which you have subscribed.

  LifeLock Basic
LifeLock Command Center
LifeLock Ultimate
LifeLock Junior
LifeLock for Minors
LifeLock Data Breach Service
LifeLock Standard LifeLock Advantage LifeLock Ultimate Plus
(A) Document Replacement Costs Up to $2,000 per Stolen Identity Event Up to $2,000 per Stolen Identity Event Up to $2,250 per Stolen Identity Event Up to $3,000 per Stolen Identity Event
(B) Travelling Expenses Up to $2,500 per Stolen Identity Event Up to $2,500 per Stolen Identity Event Up to $2,750 per Stolen Identity Event Up to $3,500 per Stolen Identity Event
(C) Loss of Income Up to $200/day for a maximum benefit period of up to one month, not to exceed $6,000 per Stolen Identity Event Up to $200/day for a maximum benefit period of up to one month, not to exceed $6,000 per Stolen Identity Event Up to $225/day for a maximum benefit period of up to one month, not to exceed $6,750 per Stolen Identity Event Up to $300/day for a maximum benefit period of up to one month, not to exceed $9,000 per Stolen Identity Event
(D) Stolen Handbag, Purse or Wallet Not Included Up to $250 total per event (maximum of $100 for replacement of stolen cash) Up to $500 total per event (maximum of $150 for replacement of stolen cash) Up to $1,000 total per event (maximum of $300 for replacement of stolen cash)
(E) Child/Elderly Care Up to $200/day for a maximum benefit period of up to one month, not to exceed $6,000 per Stolen Identity Event Up to $200/day for a maximum benefit period of up to one month, not to exceed $6,000 per Stolen Identity Event Up to $225/day for a maximum benefit period of up to one month, not to exceed $6,750 per Stolen Identity Event Up to $300/day for a maximum benefit period of up to one month, not to exceed $9,000 per Stolen Identity Event
(F) Travel Assistance Not included Not included Not included Not included
(G) Fraudulent Withdrawals Up to $10,000 for all fraudulent withdrawals resulting from any one Stolen Identity Event* Up to $10,000 for all fraudulent withdrawals resulting from any one Stolen Identity Event* Up to $15,000 for all fraudulent withdrawals resulting from any one Stolen Identity Event* Up to $25,000 for all fraudulent withdrawals resulting from any one Stolen Identity Event**
(H)(I)(J) Legal, Remediation Service and Case Management Costs Up to a total of $1,000,000 per each Stolen Identity Event Up to a total of $1,000,000 per each Stolen Identity Event Up to a total of $1,000,000 per each Stolen Identity Event Up to a total of $1,000,000 per each Stolen Identity Event

*Fraudulent Withdrawals coverage does not include 401(K) Accounts. 
**Fraudulent Withdrawals coverage includes 401(K) Accounts. 

C. CONDITIONS FOR COVERAGE

We will either reimburse you for or pay for, as appropriate, any Losses resulting from a Stolen Identity Event that occur during the Coverage Period and are reported by You no later than 90 days after you discover that a Stolen Identity Event has occurred. In addition, if You have suffered a Stolen Funds Loss, You must notify the bank or card issuer in strict accordance with its terms and conditions and take any and all reasonable steps to attempt to mitigate Your Losses.

This COI is not transferable to another person or entity without Our written consent except in the case of Your death or incapacity, at which point Your rights and duties under this COI will transfer to Your legal representative.

D. EXCLUSIONS

Coverage under the Master Policy and this COI does not apply to Losses suffered in the following circumstances:
any Loss not listed in Section B of this COI
Loss
 resulting from any dishonest, criminal, malicious or fraudulent acts if You willingly participated in or direct such acts
Loss resulting from bodily injury, including mental anguish or mental injury and required care, loss of services or death
Loss resulting from war or terrorism or any act or condition incident to war, strikes or similar labor action
Loss resulting from pollution or any direction or request to test for, monitor, remove or clean up pollution
Loss resulting from nuclear radiation or radioactive contamination
Loss resulting from contract frustration business, failure to deliver or delay in delivery orsupply of property, or any form of financial guarantee or credit indemnity
Loss resulting from a Stolen Identity Event that is not reported to Us within 90 days after it is discovered by You
Loss related to any business activity of Yours or from any account you use for business purposes
Loss resulting from or arising out of the destruction, confiscation or seizure by order of any government or public authority
Loss resulting from the voluntary disclosure of any code or other security information that can be used to gain access to any of your accounts to someone who subsequently contributes to a Stolen Identity Event, but not if such disclosure was when made when You were under duress or the victim of fraud 

E. WHAT TO DO IF YOU ARE THE VICTIM OF A STOLEN IDENTITY EVENT

If you are the victim of a Stolen Identity Event, call LifeLock at 1-800-LifeLock (1-800-543-3562). LifeLock will take some basic information from You and put You in contact with Administrator, who will provide you with additional information and provide you with a claims kit. 

F. HOW TO FILE A CLAIM

If You are the victim of a Stolen Identity Event, call LifeLock at 1-800-LifeLock (1-800-543- 3562) for assistance. LifeLock will assist you in contacting Administrator who will obtain additional information from you and provide you with a claims kit. As part of the claims kit, You must provide Administrator with the following documents:

1. A fully completed and signed claim form
2. A copy of the complaint you filed with the Federal Trade Commission
3. A copy of any police report(s) you filed reporting the Stolen Identity Event
4. Copies of all receipts, bills and other records that support the Losses You have incurred
5. Any and all additional documents or information Administrator may request to validate a claim.

Declarations Page- New York State Residents Only
Review the Declarations Page for the Master Policy