Cheque Fraud Protection

HIGHLIGHTS

• Advances funds up to $25,000 within 72 hours for qualified losses
• Education and Preventative Measures
• Certified Resolution Specialists
• Cheque Replacement

DESCRIPTION OF SERVICE

The Service applies to personal or business cheques which have been affected by forged signatures, forged endorsements and/or alteration. Cheques, like other forms of payment, are subject to theft, fraud, misuse, and unintended exposure of personal data. Independent studies continue to show cheque fraud is the most prevalent form of fraud impacting consumers and businesses. Because cheques draw directly from the funds of the payee (and not on a credit line, for example), the urgency of providing cheque fraud related services is more acute. As financial institutions require time to investigate theft and fraud, the EZShield Cheque Fraud Protection Program can quickly assist the affected customer, providing great value in a time of need.

Advanced Fund Services

Advances funds to customer for losses that would later be credited to the customer's account by its bank or financial institution. Funds up to a maximum of $25,000 will be advanced for all cheques to which the service applies and within 72 hours of filing a criminal complaint and submitting all necessary documents.

Education and Preventive Measures

Access to timely tips and industry best practices which educate consumers and businesses on best practices in mitigating the risks of identity theft and fraud.

Certified Resolution Specialist

Resolution specialists are available to assist customers should they have any questions or concerns about potential or suspected cheque fraud.

In the event of cheque fraud, a dedicated resolution specialist will perform assisted or fully-managed cheque restoration services on behalf of victims and coordinate with customer's applicable bank or financial institution.

In addition to advising customers on the best procedures to help prevent fraud or to respond to a fraud event, a resolution specialist can also act on behalf of customers by obtaining an executed limited power of attorney form.

Cheque Replacement

If the customer should be forced to close the affected chequeing account due to fraud, the resolution specialist will assist with the cheque replacement facilitation process. The resolution specialist works with the customer’s applicable bank or financial institution and the cheque printer, allowing the customer to quickly resume normal financial transactions.

Backed by End2End Defense^SM

Our 32-point checklist is designed to isolate and assist in recovery from a lost wallet or fraud event. It is also designed to help the customer take necessary steps to help prevent fraud from happening again. Often times, fraud is an isolated incident, however in many cases, the fraudulent event is a symptom of a much larger problem. Thus, EZShield will work with the customer to verify that they are not at greater risk of additional fraud. When EZShield determines that the circumstances of the event puts the customer’s identity at a continued risk for further fraud, EZShield will deploy certain preventative and complimentary services to help mitigate such risks.

SERVICE LEVEL DEFINITIONS FOR QUALIFIED LOSSES

Standard: Advancement applies to forged signatures, forged endorsements and altered cheques.

Premium: Includes counterfeit cheques in addition to the standard service offering.

Business ID Restoration Classic

HIGHLIGHTS

• Ongoing 24/7 Expert Advice
• Notification Services
• The EZShield Promise^®

DESCRIPTION OF SERVICE

Expert Services
During the term of the Service, Customer shall be entitled to access a Resolution Specialist who will provide support directly to Customer and timely expert advice regarding the best procedures and documents for helping to prevent an Identity Theft Event and for responding to a Customer Identity Theft Event.

Notification Services
In addition to advising Customer on the best procedures and documents to help prevent an Identity Theft Event or to respond to an Identity Theft Event, a Resolution Specialist can also act on behalf of Customer. For the Resolution Specialist to act on Customer's behalf, the Customer must:

Resolution Specialists are available to assist Customer and its Authorized Persons, as applicable, in:

The EZShield Promise^®

EZShield will continue engaging in these services on behalf of Customer either until the records identifying the fraudulent transactions associated with the Identity Theft Event are corrected, or until EZShield reasonably determines that further efforts to revise such records would not be successful.

SERVICE LEVEL DEFINITIONS

Business Restoration: Limited to the business properly registered as a Customer and one selected primary business owner. Notification services will be extended to Authorized Persons should the business owner or business fraud event effect these persons.

Authorized Persons: Those individuals associated with the Customer who directly own at least five percent (5%) of the Customer's outstanding equity.

EZShield will provide the Service for Customer's qualified "Authorized Persons" if:

1. During the Term, the Authorized Person is the victim of an Identity Theft Event; and
2. such Authorized Person's Identity Theft Event is directly associated with Customer's Identity Theft Event; and
3. the Authorized Person submits the required documentation to EZShield and cooperates in the delivery of the Service as reasonably requested by EZShield.

TERMS OF USE

This Service is governed by EZShield's Terms and Conditions and Privacy Policy, all of which are available at www.ezshield.com.

OTHER LEGAL TERMS

Limitations:

• The Service does not include any effort to improve Customer's credit score or history for any items or incidents not related to the Identity Theft Event.
• The Service is expressly limited to the services stated in this Service Description.
• The Service does NOT apply to any acts of copyright, trademark, service mark, patent or other intellectual property infringement/dilution or to any other events not expressly defined herein as an Identity Theft Event.
• EZShield will NOT provide as part of the Service any investigation regarding the scope or damages of any Identity Theft Event.
• EZShield will NOT as part of the Service, file any civil or criminal complaints or pleadings on behalf of Customer.
• EZShield will NOT reimburse Customer for any financial losses whatsoever.
• There is no guarantee EZShield will be successful in assisting Customer to resolving the Identity Theft Event to Customer's satisfaction.
• EZShield's ability to perform the Service requires Customer's cooperation.
• EZShield reserves the right to refuse or terminate the Service if it determines that Customer or its representatives are committing fraud or other illegal acts, making untrue statements, or failing to fully co-operate with its efforts to restore credit records.
• EZShield will not provide the Service if it discovers that Customer or its authorized representatives knew or had reason to know of any applicable Identity Theft Event at the time Customer registered for the Service.
• The Service is available only to adult individuals residing in Canada and its territories and to companies domiciled in such jurisdictions.
• The Service does not include credit counseling or any other service not expressly stated herein.
• The following potential Identity Theft Events are NOT included in the Service:
  • any Identity Theft Event for which Customer is unwilling to prosecute the person who caused Customer to suffer the fraud or its consequences;
  • any dishonest, criminal, malicious, or fraudulent act in which Customer participated; or
  • any pre-existing stolen identity event based on information on for which Customer had or should have had knowledge prior to registering for the Service.