I.D. Safe Choice Protection Plan

At Dade County Federal, your privacy and the security of your financial information is our top priority, and we are continually upgrading our systems to that end. To assist in providing the security measures to fight identity theft and fraud, all Dade County Federal Secure Checking accounts come with the ID Safe Choice security protection plan for a low monthly cost of $1.99. This service will assign you a professional Identity Recovery Advocate, who will assist you with the necessary paperwork and other details to help restore your identity and resolve any issues. Plus, you have reimbursement insurance for any necessary recovery expenses up to $25,000*, like lost wages or attorney fees. ID Safe Choice Protection Plan includes:

• A professional Identity Recovery Advocate to help restore your identity.

• Assistance with all necessary paperwork.

• Reimbursement insurance for any recovery expenses up to $25,000*.

• Identity theft recovery benefits for all your accounts, including non-DCFCU accounts.

• Coverage extended to your immediate family members within the same household.

What Is Identity Theft? Identity theft happens when your personal information, typically your Social Security number (SSN), is stolen and used to commit fraud or theft. The thief can use this information to rent apartments, buy cell phones, drain your bank account or obtain loans and credit cards. In worst-case scenarios, thieves can even hold a job or commit a crime using your identification. According to the Federal Trade Commission (FTC), identity theft affects nearly 400,000 people in the US each year. A person whose identity has been stolen can spend months or years and thousands of dollars to clean up the mess made of their good name or credit record. For more information about Identity Theft, please visit the FTC Web site at www.consumer.gov/idtheft. How Can It Happen? Identity thieves have high and low-tech ways of stealing your personal information. They can search through your trash or hack into your personal computer. The following are just a few examples of items identity thieves look for:

• Your wallet or purse containing ID, credit cards, debit cards.

• Bank statements or receipts.

• Mail credit card statements, checks, tax information, pre-approved credit card offers, etc.

• Personal information from your home or home computer.

• Files from offices where you are a customer, employee, patient or student.

Minimize Your Risk Now that you are aware of identity theft and how it occurs, these steps can lower the chance that it will happen to you.

• Order a copy of your credit report. Make sure it’s accurate and includes only the activities you have authorized. Do this at least once a year to catch mistakes and fraud before they wreak havoc on your personal finances.

• Guard passwords and PINs that allow you to access your credit card, financial and phone accounts and avoid using easily available information such as your mother’s maiden name, your birth date, the last four digits of your SSN or your phone number.

• Secure personal information in your home. Remove your new mail from the mailbox promptly and send outgoing mail from the post office or other secure mail boxes. Tear or shred your charge receipts, copies of credit applications, physician statements, checks and bank statements. Where available, arrange to receive your account statements online instead of on paper.

• Review your account statements on a regular basis, and use online or phone balance and transaction review features. These are among the best ways to watch for fraudulent activity on all of your financial accounts.

• Find out who has access to your personal information at work and verify that records are kept in a secure location.

• Don’t carry your SSN card leave it in a secure place.

• Learn how to keep your computer and personal information safe.

If you have questions or would like more information about Identity Theft recovery, please call 305-471-5080.

*ID Safe Choice Terms and Conditions.1. Consumers who are eligible for the group identity theft detection and recovery service (“Services”) include all named account holders who participate in a Secure Checking Account with Dade County Federal Credit Union (“Eligible Consumer”). This is known as the “Eligibility Requirement”. Dade County Federal Credit Union is hereinafter referred to as the “Program Sponsor”. 2. The Services are offered through a group services agreement (“Group Program”) with the Program Sponsor and the Service Provider and are extended to Eligible Consumers and unless otherwise stated, their eligible family members described as “3G Family” below. Eligible Consumers and 3G family are collectively referred to as “Group Members”. 3. “3G Family” is defined as the Eligible Consumer, and his/her spouse or domestic partner, dependents in the household up to age 25, other IRS-qualified dependents in the household, and parents living at the same address as the consumer, or living in hospice, assisted living, or nursing home. Group Members are eligible for the Services for up to 12 months after death. 4. Access to the Services (“Benefits Period”) begins when the Eligible Consumer first meets the Eligibility Requirement and ends when the Eligible Consumer no longer meets the Eligibility Requirement or when Program Sponsor terminates the Group Program, whichever occurs first. You may find additional information about the Services at https://www.dcfcu.org/secure-checking. 5. The Services provide professionals to manage the detection, investigation, and remediation of incidents of identity fraud caused by Identity Theft. “Identity Theft” is defined as fraud that involves the use of any combination of a Group Member’s name, address, date of birth, Social Security number, bank or credit/debit card account number, or other identifying information without the knowledge of the Group Member, and such information is used to commit fraud or other crimes. Only Identity Theft incidents that are discovered and reported to the Program Sponsor or the Service Provider during the Benefits Period will be covered by the Services. 6. The Services include reimbursement for expenses incurred in identity theft recovery up to the limit of $25,000 for Eligible Consumers and qualifying family members. Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions, and limitations of coverage. Coverage is currently not available in NY and may not be available in other U.S. territories or jurisdictions in the future. More information can be found at https://www.dcfcu.org/secure-checking. 7. The Services may assist the Group Member in seeking reimbursement for funds stolen in the Identity Theft incident, and/or providing assistance for filing a claim for insurance but do not provide a guarantee of reimbursement for financial losses of any kind arising from the Identity Theft incident. 8. The Services are non-transferable and non-cancelable by the Group Member and have no cash equivalent. There is no fee for using the Services; however, the account or service to which the Eligibility Requirement is attached may have a fee, based on the provisions of the account/service agreement that the Eligible Consumer has with the Program Sponsor. 9. Neither the Program Sponsor nor its contracted Service Provider can be held responsible for failure to provide or for delay in providing the Services when such failure or delay is caused by conditions beyond the control of the Program Sponsor and its Service Provider. 10. The successful completion of the Services described herein depends on the cooperation of the Group Member. The Services may be refused or terminated if it is deemed that the Group Member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her responsibilities as part of the Services, or has obtained the Services knowingly without meeting the Eligibility Requirement. The Services will not be refused or terminated due to the complexity of an identity theft case. 11. THE SERVICES DO NOT INCLUDE CREDIT COUNSELING OR REPAIR TO CREDIT NOT AFFECTED BY FRAUD OR IDENTITY THEFT. 12. The Services are only available to residents of the United States. The Services are performed with agencies and institutions in the United States or territories where U.S. law applies. 13. To access the Services, Eligible Consumers can contact the local branch office of their Program Sponsor. 14. The Services are offered through an Agreement with NXG Strategies, LLC, www.nxgstrategies.com.