FraudArmor is a comprehensive check fraud resolution and recovery service that also includes proactive monitoring to help detect risk early. Each eligible check order provides access to U.S.-based Fraud Resolution Specialists who are available Monday through Friday, 8:30 a.m. to 7:00 p.m. Eastern Time to answer your call. Specialists can assist with resolving check fraud involving the routing and account number printed on the check, including fraud related to physical checks, debit card misuse, online fraud, mobile phone transactions or account takeover connected to the affected account. In addition, FraudArmor also includes comprehensive identity fraud resolution services that address all types of identity theft, both financial and non-financial.

Benefits Period

FraudArmor is available for up to one year from the date your check order is shipped or your use of the last check in the applicable check order; whichever is first (your “Service Period”). Service is only available for fraud that occurs or is first discovered during your Service Period. If you are in the resolution process (actively working with a Specialist) when the Service Period expires, your resolution case will continue until it is resolved, with no time limit.

See Benefits and Terms and Conditions for additional information.

PROACTIVE MONITORING AND EVERYDAY RECOVERY TOOLS

Dark Web Monitoring

Dark Web Monitoring helps detect when sensitive information may be exposed, shared, or sold online.

To activate monitoring, you must create a FraudArmor account. You will be able to select the items you want to monitor, and then you will receive alerts if there is a compromise. There is no cost for activating this service.

You are encouraged to add as many relevant items as possible to increase early detection, including:

• Bank account identifiers
• Credit and debit card numbers
• Personal identity information
• Consumer login credentials
• Business-related credentials
• IP addresses and other digital identifiers

If monitored information is detected in known dark web sources, you’ll receive an alert so you can take action early, such as changing passwords, closing accounts and being vigilant to certain type of activity, possibly before fraud occurs. Visit fraud-armorlogin.com to create your account and begin monitoring your identity on the Dark Web today. NOTE: When Dark Web Monitoring is first activated, some alerts may reflect activity from previous years. After the initial activation, you’ll only receive alerts for new activity.

See Benefits and Terms and Conditions for additional information.

Lost Wallet and Lost Document Assistance

FraudArmor includes help if important personal items are lost or stolen, even when no fraud has occurred.

This service can help guide you through:

• Replacing lost or stolen identification documents
• Understanding next steps after a lost wallet
• Reducing the risk of misuse following a loss

These services are available at any time and do not require advance registration. See Benefits for more information or go to fraud-armorlogin.com.

FRAUD RESOLUTION AND RECOVERY

Check Fraud and Identity Theft Response Team Standing By

Step 1: You discover fraud
 You notice unauthorized activity involving checks, accounts, or personal information.

Step 2: You contact FraudArmor at 833-256-6818
 Reach out to report the issue and open a case.

Step 3: A Resolution Specialist is assigned
 A certified Resolution Specialist becomes your main point of contact.

Step 4: Recovery steps are coordinated
 Your specialist helps guide you through documentation, notifications, and recovery actions.

Step 5: You receive ongoing support throughout resolution
 FraudArmor continues assisting you until resolution steps are completed, with no time limit.

Fraud Resolution Support

During recovery, depending on the specifics of your case, FraudArmor provides:

• Assistance placing fraud alerts with major credit bureaus
• Investigating and documenting fraudulent transactions and false accounts
• Contacting creditors to dispute charges
• Closing fraudulent accounts
• Liaising with relevant government agencies
• Creating and maintaining a comprehensive case file for law enforcement
• Managing paperwork, follow-up communication, and documentation for the identity theft case
• Assistance with replacing lost documentation, such as credit cards, personal documentation, or government-issued documents
• Assistance with insurance claim documentation, if applicable
• Twelve months of follow-up and free credit monitoring for one full year to stay alert to changes in your credit file

See Benefits and Terms and Conditions for additional information.

Check Replacement Benefit

If fraud occurs which requires you to change your checking account number, Harland Clarke will provide a replacement order of your printed checks at no cost. This helps ensure you can continue paying bills and managing your finances without added disruption while you complete the recovery process.

Identity Theft Expense Reimbursement*

You are eligible for Identity Theft Expense Reimbursement insurance coverage as a member of FraudArmor. This coverage may reimburse certain expenses incurred while recovering from identity theft, up to the policy limit of $25,000, including:

• Lost wages
• Attorney fees
• Other eligible recovery-related costs

Cash Recovery Benefit*

The Identity Theft Expense Reimbursement insurance also reimburses losses from your checking account, within the same $25,000 limit as referenced above, resulting from a fraudulent act involving an eligible check order, including:

• Forged checks
• Altered checks
• Counterfeit checks

Cash recovery applies when funds are not recoverable from your financial institution from which the check was issued. IMPORTANT: A claim must be submitted within 60 days of the discovery of the check fraud loss. Other terms and conditions apply to this coverage.

See Benefits and Terms and Conditions for additional information.

*The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Insurance Guide to Benefit.