Identity Fraud ExpensesInsurance Policy Summary

Some important facts about your Identity Fraud Expenses Insurance Policy are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the Policy Document to make sure you understand the cover it provides. The insurance cover summarised in this document is provided by Inter Partner Assistance SA, a division of AXA Assistance SA, and administered on their behalf by Arc Legal Assistance Ltd. Your insurance cover is valid for the period that you are a current member of Experian CreditExpert and only applies to the current member of Experian CreditExpert Other than under section 5 under the heading titled Policy section, Identity Fraud occurring before membership of Experian CreditExpert will be covered in accordance with the terms and conditions of the policy document, if you do not discover that you have been the victim of Identity Fraud until after the start of membership. It is a key condition of this insurance that reasonable prospects for a successful outcome must exist before any claim can be accepted.

Significant features and benefits

The Insured is covered for Advisers Costs to:Deal with all organisations seeking monies from the Insured as a result of their identity being stolen or where a person or organisation has fraudulently applied to that organisation for credit, goods or services in the Insureds name.

Policy section

Significant exclusions or limitations

Applicable to all Sections: -

Cover is only available if the Insured denies having entered in to a contract and alleges that he has been the victim of Identity Fraud. There is no cover where Legal Aid is available to the Insured. There is no cover for claims arising from a case of mistaken identity or alleged mistaken Identity.

Liaise with credit referencing agencies and contact all other relevant organisations on the Insureds behalf to advise that the Insured has been the victim of Identity Fraud. Defend civil legal proceedings and/or take reasonable steps to remove a County Court Judgment against the Insured by an organisation that the Insured is alleged to have brought, hired or leased goods or services from including preparing and arranging for the Insureds signature in relation to any required Affidavits.

Any financial loss described in Sections 6 to 10 inc. must have occurred after the Insured became a member of Credit Expert and this insurance started Advisers costs incurred must be proportionate to the amount of the Insureds loss and any benefit that would be gained from legal action. The Insured must provide sufficient evidence to support an allegation of negligence against an organisation.

Represent the Insured at an interview at a police station prior to formal charges being made against the Insured. Cover is only available where the Insured denies the alleged offence on the basis that he has been a victim of Identity Fraud.

Subject to the Underwriters being satisfied that there has been an act of negligence, pursue civil legal proceedings against an organisation that has, through their negligence, caused the Insured to suffer a financial loss as a result of Identity Fraud. The Identity Fraud must have occurred after this insurance started. The Insured is covered for: -

6 Reasonable costs incurred by the Insured relating to the sending of correspondence and telephone calls to financial institutions, credit rating agencies, Arcs panel solicitors or the police as a result of an Insured Incident . 7 Reasonable lost earnings incurred by the Insured of up to 500 per week for a maximum period of six weeks as a result of having to meet or deal with financial institutions, credit rating agencies, Arcs panel solicitors or the police as a result of an Insured Incident. 8 Experian CreditExpert

Up to 200 for the costs of replacing the Insureds Passport or Driving Licence should the Insured have a reasonable requirement to replace either of them as Identity Fraud Expenses Insurance V16 Finan 13.3.13

a result of an Insured Incident.

Repeat charges incurred by the Insured when reapplying for credit for which a previous application was declined as a result of and Insured Incident. A fixed amount of 50 to cover any other expenses the Insured incurs in addition to the above in having to deal with Identity Fraud as a result of an Insured Incident. Only one payment of 50 will be made per Insured Incident. Payment is subject to investigation by the specialist Credit Expert Victim of Fraud team and confirmation by them that the Insured has been the victim of Identity Fraud

10

Identity Fraud Expenses Insurance V16 Finan 13.3.13

Experian CreditExpert

Limit of indemnity 75,000 Territorial Limits United Kingdom

There is no cover where: The Insured has not been the victim of Identity Fraud. The Insured discovered that they were a subject of Identity Fraud before they became a member of Credit Expert and this insurance started The claim is false or fraudulent. The Insured did not take action to protect himself from further instances of Identity Fraud following an Insured Incident by failing to follow the advice given by the Experian Victim of Fraud team or contact Experian CreditExpert upon receiving an Alert from the Experian CreditExpert Credit Monitoring Service. Advisers Costs have not been agreed in advance or are above those for which Arc has given its prior written approval. The ID Fraud has been carried out by a member of the Insureds family living with the Insured. There is no cover: For Advisers Costs arising from loss of cash from a bank, building society, credit union or other similar financial institution where that institution has refused to cover the loss. For any losses incurred by the Insured as a result of Identity Fraud unless specifically insured under this policy. Prior to the issue of court proceedings, for the costs of any representative other than those of the Adviser unless expressly agreed by Arc. Such agreement is entirely at Arcs discretion. Prior to the start of legal proceedings (unless a conflict of interest arises) for Advisers costs incurred by any legal adviser other than Arcs panel solicitor. The Insured must agree to be added to the CIFAS Protection Register if the Adviser recommends it. The Insured must notify claims as soon as reasonably possible of the Insureds knowledge of the Identity Theft and complete the claim form if requested. This must be returned promptly with all relevant information.

Identity Fraud Expenses Insurance V16 Finan 13.3.13

Experian CreditExpert

Cancellation rights (cooling off period)

If the Insured cancels the insurance within 14 days of receipt of insurance documentation and has paid the Premium, Experian CreditExpert will issue a full return of any Premium paid and the policy will be regarded as not having been taken up by the Insured and will be cancelled from inception. In these circumstances the Insured may cancel this insurance by telephoning Experian CreditExpert on 0800 561 0083 or sending an email to membership@creditexpert.co.uk confirming that cancellation is required and providing his full name, Experian CreditExpert membership reference number and own e-mail address that is currently registered with the Experian CreditExpert membership

To make a claim
As soon as you have a problem that you may require assistance with under this insurance you should telephone Experian CreditExpert. Visit Experian CreditExpert.co.uk for contact details. Where appropriate Experian CreditExpert will validate your cover and forward details of your claim to the Adviser. Please note you must report a claim under the insurance within 30 days of the Insured Incident. The Insured Incident is defined in the policy wording as The receipt by the Insured of communications or other information from an organisation, either written or verbal, advising or indicating that the Insured has received or applied for goods, services or credit which the Insured did not apply for and where the Insured has been the subject of Identity Fraud. Only one Insured Incident shall be deemed to have arisen from all incidences of Identity Fraud that are related by cause or time.

Complaints
If you are unhappy with the service that has been provided, you should contact us at the address below. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. For full details of our complaints procedure and how to contact the Financial Ombudsman Service please see our policy document. Our contact details are: Arc Legal Assistance Ltd The Gatehouse Lodge Park Lodge Lane Colchester CO4 5NE Tel 0844 770 9000 Email enquiries@arclegal.co.uk

Compensation
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if Arc or Inter Partner Assistance are unable to meet their obligations. Your entitlement to compensation will depend on the circumstances of the claim. Further information about compensation scheme arrangements is available at http://www.fscs.org.uk/.

Identity Fraud Expenses Insurance V16 Finan 13.3.13

Experian CreditExpert