Common Definitions

Certain capitalized terms referenced herein have the meanings ascribed to such terms in the Common Definitions.

"Affiliated Persons" means:

• For an individual Member, affiliated persons shall be limited to:
• The spouse or domestic partner of registered Member (where "domestic partner" is defined as any person living in a legally recognized domestic partnership with Member in their state of residence; provided that, this definition does not affect the location in which the Service is being provided as set forth in the FraudArmor PlusTerms and Conditions).
• Dependent children under the age of 21 who live with Member and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.

"Identity Theft Event" means:

• For individual Members, the fraudulent misappropriation and use of Member's name, social security number, credit card number(s) or other Protected Identity Elements in any manner that adversely affects any public records or credit reports concerning the Member.

"CheckArmor defines "identity crimes" in 3 ways:"

• Lost or stolen information:
  • For example, a lost wallet, or information being exposed as part of a breach.
  • Neither fraud nor identity theft have occurred yet, but the risk is there, and there are steps that can be taken to mitigate risk.
• Fraud:
  • This is when someone has gained access to, and abused, existing accounts.
  • For example, someone obtained your bank account information and removed funds, or your credit cards were used by someone without your consent.
• Identity Theft: :
  • This is when someone has enough information about someone else to obtain new lines of credit in their name.
  • For example, they establish new credit cards, purchase vehicles or homes in your name. These debts are not yours, but are now associated with you.

"Resolution Specialist" is a named individual dedicated to Member's Restoration case and who is certified with the following credentials:

• Certified Identity Theft Risk Management Specialist (CITRMS) from The Institute of Fraud Risk Management
• International Association of Financial Crime Investigators (Member or above)
• Consumer Data Industry Association (Fair Credit Reporting Act Exam)

"Subject Check Fraud" means, with respect to a particular Identity Theft Event, any occurrence of:

• a forged signature (a legitimate blank check that is forged with the Member's signature as the payer);
• a forged endorsement (a legitimate check that is endorsed and cashed or deposited by a person other than the designated payee based upon a fraudulent endorsement; or
• an altered check (a legitimate check that is fraudulently altered as to the designated payee, check amount, or otherwise so as to benefit the person altering the check).