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Protecting Your

Identity WorldWide .com

The Complete Identity Protection Program

Complete Identity Theft Protection

Just $3 for 3 Months!

Every 4 seconds someone's identity is compromised...

Is your personal information available to thieves?

Javelin, 2011 Identity Fraud Survey Report

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Or Call 800-297-1548

Don't Be a Victim!

Discover, Remove & Monitor

Be smart and find out what the Internet knows about you. Let us help you to remove or correct any potentially damaging information.

Top 3 Things You Should Do with Your Identity WorldWide Account

Check your CreditXpert® Credit Scores¹

Review your Credit Report from all 3 Credit Bureaus

Setup Credit & Debit Card Monitoring

Access and Monitor Your Credit Report

10 ways IdentityWorldWide protects you

IdentityWorldWide provides comprehensive protection and peace of mind.

Identity Fraud Support Identity theft is confusing and disruptive. If your identity is stolen, call us immediately for one-on-one support. In addition to personalized phone support, we will send you a customized information kit so you can rectify the situation expediently. Our number one goal is to protect every single member, but if you are a victim of identity fraud while a member, you can count on world-class help and support from IdentityWorldwide.com.

Daily Credit Monitoring² Early detection of suspicious activity and errors in your credit reports are essential to minimizing both the damage incurred by identity thieves and the time needed to rectify any issues. IdentityWorldwide.com monitors your Experian®, Equifax® and TransUnion® credit reports daily for certain signs of activity. Should your account be queried, or if a new account opens in your name, IdentityWorldwide.com will send an alert to you. You'll be able to act fast and take the necessary steps to re-secure your credit quickly.

Lost and Stolen Card Assistance³ If you discover your credit cards are missing, call us immediately. We will notify all your credit card issuers, cancel your lost or stolen cards, and request that replacements be issued promptly. When you call you'll be asked questions, such as your name, address, and Membership Number. You will be asked to verify credit card information. We will promptly mail you written confirmation of all credit card cancellations and all replacement requests.

Identity Theft Insurance^4* The cost of recovering from identity theft can far exceed your actual monetary losses. That's why IdentityWorldwide.com provides up to $1,000,000 in loss recovery protection for covered expenses. Financial and credit institutions often don't provide this type of coverage.

Norton Internet Security⁵ Norton™ Internet Security delivers fast and light comprehensive online threat protection. It guards your PC, your network, and your identity with innovative detection technologies optimized to combat today's aggressive, rapid-fire attacks. Unlike other Internet security suites, it provides easy-to-understand threat and performance information to help you avoid future threats and keep your PC running fast.

The CreditXpert® Credit Simulator Credit can be confusing, and predicting what will affect your credit score is a difficult exercise. With IdentityWorldwide.com, you can use the credit simulator to run through different scenarios which could affect your credit score. As a member of IdentityWorldwide.com, you do not have to guess whether or not canceling that old credit card will affect your credit score, you can make an educated decision.

Social Security Monitoring⁶ Your social security number is unique to you. To make sure it stays that way - out of the hands of thieves, hackers and criminals - IdentityWorldwide.com employs social security number monitoring for all of our members. We monitor underground chat rooms, websites and blogs where social security numbers are purchased and distributed illegally and if your number is found, we automatically send you an email alert to notify you that this is happening.

Triple-Bureau Credit Report Protecting your credit rating is a key component of identity security. In most cases, identity theft can be discovered by keeping a close eye on your credit report. That is why IdentityWorldwide.com provides the full picture by providing members access to their Experian®, Equifax® and TransUnion® credit reports. This information is crucial to your ability to obtain loans and financing for important purchases, keep it safe with IdentityWorldwide.com!

Credit and Debit Card Monitoring⁶ Your credit and debit cards represent a highly valuable, easy target for identity thieves - and they are at risk whenever you make a purchase online. IdentityWorldwide.com understands this risk and uses technology to scan websites that traffic in stolen credit card numbers to see if your registered credit card numbers (up to 10) has been compromised. In the event that it has, we will automatically send you an email alert allowing you to stop the fraud before it starts.

Credit Information Hotline While credit reports offer a great insight into your full credit picture, understanding the entire report can be difficult. IdentityWorldwide.com is proud to offer each of our members the Credit Information Hotline, where members can call and get answers to questions relating to their credit reports. Our representatives will take the time you need to ensure that your questions are resolved.

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¹ Your CreditXpert® Scores™ are provided by CreditXpert Inc. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help you understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores You receive directly from those agencies or from other sources.

² Daily monitoring will notify members when new inquiries, certain derogatory information, accounts, public records, or change of address have been added to their credit reports as reported by any 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.

³ Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly.

⁴ The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of IdentityWorldwide.com, through Alliance Marketing Association (the "Association"). Upon enrollment in the IdentityWorldwide.com service, You will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of Chartis Inc. (collectively, the "Company") under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in the IdentityWorldwide.com. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

*Fraud Liability Disclaimer: IMPORTANT NOTICE: YOUR LIABILITY FOR UNAUTHORIZED USE UNDER FEDERAL LAW: For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss, and if the credit card contains a means of identifying the cardholder or authorized user, then your liability for unauthorized use of your card before the card issuer is notified is no more than $50.00 on each card. For debit and cash-machine (ATM) cards: Your liability for unauthorized use of your card is no more than $50.00 if you notify the card issuer of card loss within two business days after you learn of the loss of the card. After that, your liability is up to $500.00, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the two business day period. In addition, if you do not notify the card issuer within 60 days after a periodic statement showing unauthorized transfers is sent to you, then you will also be liable for the amount of unauthorized transfers that occurred after the 60-day period and before notice to the card issuer, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the 60-day period. Your card issuer's liability policy may provide for lesser liability amounts than indicated above. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable. Nothing set forth in your membership materials alters any rights you may have under federal or state law with respect to unauthorized or erroneous transactions on your card accounts. You are not required to have this service to maintain your credit, debit, or ATM cards.

⁵ Norton Internet Security Online is available for all Windows PCs but is not currently available for Macintosh computers. Browser and System Requirements: Norton Internet Security Online supports the following operating systems: Microsoft® Windows® XP (32- bit) Home/Professional/Tablet PC/Media Center (32-bit) with Service Pack 2 or later, Microsoft Windows Vista® (32-bit and 64-bit) Starter/Home Basic/Home Premium/ Business/Ultimate, Microsoft Windows 7 (32-bit and 64-bit) Starter/Home Basic/Home Premium/Professional/Ultimate. End user's computer must meet or exceed the following requirements: 300 MHz or faster processor, 256 MB of RAM minimum, 300 MB of available hard disk space, standard Web browser.

⁶ IdentityWorldwide.com monitors up to ten registered credit/debit cards and your Social Security number on the Internet, based on extensive search of directories and Internet chat rooms; however, it is impossible to ensure that all directories and Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.

* IMPORTANT NOTICE: YOUR LIABILITY FOR UNAUTHORIZED USE UNDER FEDERAL LAW:

For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss, and if the credit card contains a means of identifying the cardholder or authorized user, then your liability for unauthorized use of your card before the card issuer is notified is no more than $50.00 on each card. For debit and cash-machine (ATM) cards: Your liability for unauthorized use of your card is no more than $50.00 if you notify the card issuer of card loss within two business days after you learn of the loss of the card. After that, your liability is up to $500.00, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the two business day period. In addition, if you do not notify the card issuer within 60 days after a periodic statement showing unauthorized transfers is sent to you, then you will also be liable for the amount of unauthorized transfers that occurred after the 60-day period and before notice to the card issuer, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the 60-day period.

The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of Chartis Inc. (collectively, the "Company") under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in the IdentityWorldwide.com. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

Your liability for unauthorized use of your credit, debit, and ATM cards is limited under federal law. In addition, your card issuer's liability policy may provide for lesser liability amounts than under federal law. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable.

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