Identity Protection Benefit Summary

Fraud Resolution Services and Identity Insurance Benefit Summary Provided Compliments of Gold Canyon Bank.

We have partnered with Identity Fraud, Inc. to deliver fraud resolution services and identity insurance benefits in case you become a victim of fraud. If you are an Account Holder and maintain an active Checking Account with Gold Canyon Bank, you are entitled to receive our Identity Protection as more fully described herein.

This Summary Description of Benefits does not state all the terms, conditions, and exclusions of your protection or the identity insurance benefits provided in the Identity Fraud, Inc. Master Insurance Policy. Your identity insurance benefits will be subject to all of the terms, conditions, and exclusions of the Master Policy, even if they are not mentioned in this Summary. A complete copy of the Policy will be provided upon your written request. Gold Canyon Bank Identity Protection insurance coverage is provided by Identity Fraud, Inc. and underwritten by an A-rated insurer.

Free Identity Protection

Benefits are available to you as long as you maintain an active Checking Account. In the event of an identity theft Incident, protection includes:

• VRS Elite™ 24/7 Fraud Resolution Services
  Twenty-four hours a day, seven days a week, you can contact Identity Fraud, Inc. toll-free at 1-866-4ID-FRAUD to gain access to professional resolution services that will help save you valuable time, money, and frustration.
• Identity Insurance Benefits
  Aggregate Limit of Insurance: $5,000.00
  Lost Wages: $500.00 per week, for 4 weeks maximum
  Deductible: $0.00

Upgraded Protection Options

All eligible customers of the Gold Canyon Bank and their spouses, age 18 or over when applying, can purchase en­hanced protection that includes $25,000 of identity insur­ance, credit monitoring and alert tools, and more, for you or your entire family, including extended family. Simply visit the Identity Fraud, Inc. web site at www.identityfraud.com/GoldCanyonBank.

Identity Insurance Benefits

The Master Policy Insurer shall pay you for the following Expenses:

1. Legal Fees.
Reasonable legal fees and court costs incurred, with the insurers prior consent for:

a. Defense of lawsuits brought against you by a creditor, col­lection agency or other institution as a direct result of an Incident;

b. The removal of any civil or criminal judgments wrongfully entered against you as a direct result of an Incident;

c. Contesting the inaccuracy or incompleteness of any informa­tion or records containing your personal information which is the direct result of an Incident, other than legal fees and court costs incurred in a legal proceeding of any kind filed, brought, or maintained by you, on your behalf, or for your benefit.

2. Lost Wages.
Actual lost wages resulting from time taken off from work to resolve an Incident or due to wrongful incarceration resulting from an Incident for a maximum payment of $500 per week up to a maximum of $2,000. Lost wages must be incurred while you maintain active enrollment in a Checking Account and be a direct result of an Incident.

3. Miscellaneous Expenses.
Reasonable and necessary costs actually incurred as a direct result of an Incident for:

a. Communications. Costs for mail, certified mail, and long distance telephone or facsimile communications to law enforcement agencies, financial institutions, govern­ment agencies, or similar organizations.

b. Personal Records. Costs for re-filing loan applications, filing police reports, notarizing affidavits or similar documents, replacing government issued identification documents with our consent, and obtaining copies of one credit report from each of the three main credit reporting agencies (Experian, Equifax, or TransUnion) every three months for a maximum of three times per Incident, a Medical Information Bureau report, a driving record report, and a criminal background report.

c. Personal Records Monitoring. Costs to enroll in a one-year triple-bureau credit-monitoring service provided by one of the three main credit-reporting agencies and a one-year myFICO monitoring service. However, Personal Records Monitoring shall not be provided for Incidents solely relating to an Incident relating to an existing credit or debit card account(s). (Internet access required.)

Special Definitions

Account Holder means an individual or an individual and his or her spouse or domestic partner who singularly or collectively maintain(s) a Checking Account. If two individuals are each considered an Account Holder, coverage shall apply on a joint ac­count holder basis subject to a single aggregate insurance limit and sublimit, as appropriate and as defined in the Master Policy.

Checking Account means your active enrollment in a Gold Free Checking or Gold Premium Checking account, excluding Money Market Checking, Statement Savings and any Business accounts.
Incident means the unauthorized use of your name, social secu­rity number, personal identification or other means of identifying you with the intent to commit, aid, or abet any unlawful activity that constitutes a violation of Federal law or any applicable state or local law.

Your Obligations

In order to qualify and receive Identity Protection Benefits, you must adhere to the following obligations:

1. Promptly provide notice to Identity Fraud, Inc, of an Incident that first occurs during your qualified protection and which no­tice must be received prior to the termination, cancellation, or non-renewal of your qualified protection and in no event later than ninety (90) days after you first learn of the Incident. Notice shall include, but not be limited to, detailed information of the Incident as to how, when, and where the Incident occurred and includes other reasonable information or details Identity Fraud, Inc. or its insurer may request.

2. Promptly file a report with the police if an Incident has occurred and you reasonably believe that a violation of the law may have occurred.

3. Keep records, receipts, books, evidence and other documents in such a manner that will allow the Insurer to accurately deter­mine the amount of any expenses or loss covered.

4. Take all reasonable steps to mitigate (reduce) possible losses regarding the Incident including requests to waive any applicable fees.

5. Not admit to any liability or do so at your own expense.

6. Cooperate with Identity Fraud, Inc. and/or its insurer including but not limited to submitting information requested, cooperat­ing to enforce any legal rights the insurer may have against anyone who may have liability to you, attending legal proceed­ings and other items as may be reasonably requested.

Coverage Scope

The Master Policy provides benefits to you only if you report an Incident to Identity Fraud, Inc. by calling 1-866-4ID-FRAUD (1-866-443-3728) as soon as you become aware of an Incident and in no event later than ninety (90) days after you first learn of the Incident.

Upon contacting Identity Fraud, Inc., VRS Elite™ case specialists will assist in the resolution of your case and facilitate the submission of insurance claims, if any.

You will only be covered if an Incident first occurs while you are actively enrolled in a Checking Account and covered under the Master Policy­holder’s policy and the Incident is reported to Identity Fraud, Inc. during your active enrollment in a Checking Account. You will not be covered if the stolen identity event or notice thereof first occurs after termination of the Master Policy or termination of your qualified status under the Master Policyholder’s program.

Limits Of Insurance

The most the Master Policy shall pay you are the Limits of Insurance shown herein. All Legal Costs shall be part of and subject to the Aggregate Limit of Insurance. LEGAL COSTS ARE PART OF, AND NOT IN ADDITION TO, THE LIMIT OF INSURANCE.

The Lost Wages Limit of Insurance shown herein is a sublimit of the Aggregate Limit of Insurance and is the most the insurer shall pay you for lost wages.

Other Insurance

In the event there is other insurance that may apply to any Expenses covered, this insurance shall provide coverage pro rata based upon the policy’s respective limits of liability with such other insurance and excess of any applicable deductibles thereto.

Duplicate Coverages

Should you be enrolled in more than one protection program insured by the same insurer of this Master Policy, or any of its affiliates, you will be reimbursed under each program subject to the applicable deductibles and limits of liability of each insured program but in no event shall the total amount reimbursed to you under all programs exceed the lesser of $25,000 or the actual amount of loss.

Exclusions

There shall be no coverage for exclusions identified in the Master Policy, which are summarized as follows:

1. Any expenses arising out of or relating to physical injury, disability, sickness, disease, mental injury, shock, mental anguish, emotional distress, mental or physical incapacitation, required care, loss of services, or death.

2. Any expenses arising from the theft, wrongful use, or unauthorized use of a business name or other means of identification or business pursuits.

3. Any expenses arising out of or relating to any fraudulent, dishonest or criminal act actually or allegedly committed by you or any person acting in concert with you.

4. Any legal action or suit other than those set forth above.

5. Any damages, loss, or indemnification unless otherwise stated herein or as stated in the Master Policy.

6. Any expenses arising out of or relating to pollutants, terrorism, war, civil war, or nuclear reaction.

7. Your failure to adhere to your Obligations as noted in this summary or the Master Policy.

Special Note: The identity protection benefits described herein are subject to change and/or termination without notice. Any change and/or termination will not adversely affect claims properly submitted prior to such change or termination.

To report an incident: 1-866-4ID-FRAUD(1-866-443-3728)

The Master Policy provides benefits to you only if you report an Incident to Identity Fraud, Inc. by calling 1-866-4ID-FRAUD (1-866-443-3728) as soon as you become aware of an Incident and in no event later than ninety (90) days after you first learn of the Incident.