Disclaimers for Capstone ID Theft Protection

$1 Million Identity Fraud Expense Reimbursement and $2 Million Identity Fraud Expense Reimbursement , as well as optional benefits such as Cash Recovery for  Unauthorized Electronic Fund Transfers  from Checking & Savings Accounts, or Cash Recovery for Unauthorized Electronic Fund Transfers from Investment/Health Savings Accounts: If your plan includes insurance and if you become a victim of identity fraud while enrolled in the Program, the Identity Fraud Expense Reimbursement can reimburse you for financial expenses associated with the resolution and restoration of a stolen identity and stolen checking/savings account funds, Investment Accounts, and Healthcare Saving Account (HSA) funds up to $1 Million dollars. Cash Recovery Aggregate and Investment & Health Savings Accounts Cash Recovery are part of and not in addition to the Expense Reimbursement Aggregate Limit of Liability. These optional benefits are limited to 1 occurrence within any 12 consecutive months of the policy term.

$2 Million Identity Fraud Expense Reimbursement, as well as optional benefits such as Cash Recovery for  Unauthorized Electronic Fund Transfers  from Checking & Savings Accounts, or Cash Recovery for Unauthorized Electronic Fund Transfers from Investment/Health Savings  Accounts*, Cyber Extortion Expense Reimbursement expenses, and Home Title Identity Theft Expense Reimbursement: If your plan includes insurance and if you become a victim of identity fraud while enrolled in the Program, the Identity Fraud Expense Reimbursement can reimburse you for financial expenses associated with the resolution and restoration of a stolen identity and stolen checking/savings account funds, Investment Accounts, and Healthcare Saving Account (HSA) funds, expenses incurred as the direct result of recovering from a cyber extortion/ransomware attack, and expenses and legal costs incurred as the direct result of fraud or embezzlement, forgery or identity fraud resulting in title theft or deed fraud of member’s residential real estate up to $2 Million dollars. Cash Recovery Aggregate and Investment & Health Savings Accounts Cash Recovery are part of and not in addition to the Expense Reimbursement Aggregate Limit of Liability. These optional benefits are limited to 1 occurrence within any 12 consecutive months of the policy term.