*Identity Protection Plus and its associated services, are provided to Susquehanna
Bank through Affinion Benefits Group, LLC.
1 Card PatrolSM monitors up to ten registered major credit/debit cards (including
VISA®, MasterCard®, American Express®, Diners Club® and Discover®) in Internet chat
rooms. It is impossible to ensure that all 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.
2 Credit Alert® is not a credit counseling service and does not promise to help
you obtain a loan or improve your credit record, history or rating. The Credit Alert®
service may be modified or improved at any time and without prior notice. Credit
Alert® is a registered service mark of Affinion Publishing, LLC. Daily monitoring
will notify members of any inquiries, certain derogatory information, accounts,
public records or change of address that have been added to their credit reports
as reported by one of the 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. Neither the Plan Administrator,
the provider of the Credit Alert® service, or its credit information subcontractors,
nor Financial Services Association shall have any liability for the accuracy of
the information contained in the Credit Alert® reports which you receive, including
any liability for damages, direct or indirect, consequential or incidental.
3 IMPORTANT NOTICE: YOUR LIABILITY FOR FRAUDULENT CHARGES 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 the cardholder or authorized
user, then your liability for fraudulent charges made to your account before the
card issuer is up to $50 for each card. For debit and cash-machine cards: Your liability
for fraudulent use of your cards is up to $50 if you notify the card issuer of the
loss or theft of the card within two business days, after learning of the loss or
theft of the card. After that, your liability is up to $500.00 for each card Or,
if you do not notify the card issuer within 60 days of receipt of a monthly statement
showing unauthorized transfers, then your liability for each card is up to the total
amount of unauthorized transfers that occurred after the 60-day period and before
notice, provided that the card issuer establishes that the unauthorized transfers
would not have occurred if you had notified the card issuer within the 50 day period.
You may also be liable for up to $50 or $500.00 for each card, as applicable.
4 Neither Affinion Benefits Group, its credit information subcontractors, nor Financial
Services Association shall have any liability for the accuracy of the information
contained in the credit reports or credit scores which you receive, including any
liability for damages, direct or indirect, consequential or incidental. The service
is not a credit counseling or repair service and does not promise to help you obtain
a loan or improve your credit record, history, or rating. In addition to other rights,
you are entitled by law to request and receive a free report every twelve months
from each of the national credit reporting agencies (Experian, TransUnion, and Equifax).
Information regarding these and other FCRA rights is available at
www.ftc.gov
5 Your CreditXpert® Scores
TM 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.
6 The Identity Theft Insurance benefits are provided to all members, along with
all other benefits afforded as part of the program, through Financial Services Association
(FSA or the "Association"). Upon enrollment in the program, 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 program. 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.