Table of Contents

Welcome...... 1

Consumer Services

Student Loan Solutions ...... 3

Credit Monitoring ...... 4

ID Theft & Resolution ...... 5

Legal Advice ...... 6

Financial Advice...... 6

Online Legal Resource Center ...... 7

Tax Preparation/Consultation ...... 9

Terms & Conditions...... 10-11

Phone Directory ...... 12

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Welcome

CONGRATULATIONS!

Thank you for selecting the Student Assist Plus benefits plan and joining the thousands of other individuals that rely on our professional team to help them save money. Our valuable membership plan provides exclusive offers & savings on services such as:

• Student Loan Solutions • Tax Preparation • • Credit Monitoring

How to Start Using Your Benefits

Utilize any of the phone numbers in the Phone Directory at the end of this guide to learn more about any of our benefits. You may also call us at (888) 456-4055 to speak with an account manager about your membership and related benefits.

We are confident that you will experience the value that comes with a Student Assist Plus membership plan the minute your membership begins. If you have any questions along the way, our friendly, dedicated customer service professionals are here to help.

Call Us!

Call us at (888) 456-4055. We can assist you Monday through Friday from 8:00 a.m. to 5:00 p.m., Pacific Standard Time. You may also use the contact form on our at www.StudentAssistPlus.com/contact 24 hours a day!

Member Services Toll-Free Number:

1-888-456-4055

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Student Loan Solutions

Description of Benefits:

• If Member is on an income based payment option, member will get annual assistance in the preparation and submission of all required income documentation.

• Member can change payment option programs once per year at no additional cost.

• Member can request up to 2 payment deferments/forbearance per year.

• Get updated information on new government repayment programs.

• Get phone support regarding your Federal Student Loans from 8am to 5pm Pacific Time

Qualifications:

• Member must have previously consolidated all federal student loans through one of the payment options offered by the Department of Education.

• Member must be current on all monthly payments to Student Assist Plus

Student Loan Solutions Hotline: (888) 337-0465

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Credit Monitoring

Description of Benefits:

Credit report monitoring is the monitoring of one's in order to detect any suspicious activity or changes. Companies offer such service on a subscription basis, typically granting regular access to one's credit history, alerts of critical changes to one's credit history, and additional services. Credit monitoring can help detect credit related fraud and identity theft.

In the United States, whenever obtaining one's credit history, or credit monitoring, such services are typically available either as single-bureau service (with data access to only one of the 3 national credit reporting bureaus), or three-bureau service (with access to data to all three national credit reporting bureaus).

Debit & monitoring in hacker chat rooms. We monitor the Internet for fraudulent activity involving consumers’ personal information, such as a credit card account, debit card account, PIN numbers and other personal information.

We collect that compromised data from the Internet and make it available in real time to consumers on our platform by providing them with an alert and allowing them to be proactive in managing their identity.

Credit Monitoring - Single report from , which is the largest . You have unlimited access to your credit report.

Credit Score - Your actual based upon Experian (The largest credit bureau).

Credit Monitoring - Your Experian credit score will be monitored on a daily basis for all new credit inquiries.

Credit Monitoring Hotline: (800) 706-5749

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ID Theft Protection

Identity theft is one of the fastest growing crimes in the nation. If a family member or someone you know has been the victim of identity theft, you know all too well how difficult it can be to restore your good name and credit.

Features:

Identity Monitoring (High Risk Transactions) - HRT are alerts that typically take place outside of a credit report. An exception to this rule is when a consumer goes through an authentication process (this could be setting up a new bank account, PayPal, eBay or credit card) we will have a real time alert based on this. More importantly, they are real time alerts focusing on fraud and someone trying to pose as someone else or someone trying to take over an account. We know when suspicious transactions occur at over 300 participating banks, online retailers, health insurers and more. Whether a fraudster succeeds or not, we’ll let you know when a bank password reset request is made, a new credit card is activated or access to their health insurance portal is attempted. Additionally, these alerts will detect wire transfers through bank or investment accounts, money transfers through MoneyGram, cell phone insurance use, and address change attempts whether online or through a financial institutions website.

Identity Score We help you determine how vulnerable you are to identity theft. We measure your personal risk and assign you an Identity Risk Score. When you understand where, when, and how you are at risk, you can take control to manage your identity.

Risk Level Secure - No risks or area of concern at this time.

 Elevated Risk Level - We have noticed some transactions that require your attention. Please log in to your account to confirm your alerts. Also, please check your credit card and bank accounts for suspicious transactions.

 High Risk Level - Your risk level is high. Please log in to your account or call customer service immediately. We need to discuss transactions that have taken place with your identity. Also, please check your credit report, credit card and bank accounts for suspicious transactions.

ID Theft Reimbursement Insurance

Up to $25,000 in Expense Reimbursement Coverage from AIG Insurance Company (Subject to Master Policy terms and conditions) Includes:

. Expense Reimbursement: $25,000 per policy period maximum . Lost Wages: $ 500 per week, for 4 weeks maximum . Deductible $ 0 per policy period

**Identity theft insurance underwritten by subsidiaries or affiliates of AIG/Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual 5 policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

How it works:

Our Fraud Resolution Program is a confidential and easily accessible service that provides an administrative structure for dealing with identity theft. By simply contacting CLC customer service at 1-800-706-5749, a member will receive a free 1-hour consultation with a trained and experienced Fraud Resolution Specialist in our call center. Our professional staff and highly trained specialists are available to listen to your issues, answer your questions, and assist members with restoring their identity and good credit.

When a member contacts a CLC Fraud Resolution Specialist and informs us of ID Theft, we will conduct the following six emergency response activities:

1. Provide the member with a uniform ID Theft Affidavit, answer any questions with regards to completing the affidavit and counsel the member on submitting the affidavit to the proper authorities, credit bureaus, and creditors.

2. Furnish the member with separate fraudulent account statements for itemizing each fraudulent occurrence and advising the member on where to submit the statements.

3. Direct the member on where to report the fraudulent activity and how to notify the local and federal authorities, and the fraud departments of their creditors.

4. Advise the member on how to obtain a free copy of their credit report and how to place a Fraud Alert on their credit record.

5. Provide the member with an ID Theft Emergency Response Kit. TM

6. Educate the member on how identity theft occurs and inform the member of protective measures to take to avoid further ID theft occurrences. Our highly trained Fraud Resolution Specialists (FRS) are qualified fraud recovery professionals recognized for expertise and professional skill level. Each FRS team member is certified under the Fair Credit Reporting Act.

Legal & Financial Coaching

Your membership provides you and your eligible family members with no-cost and affordable legal assistance from attorneys in your area when you feel you’ve been a victim of identity theft. You have access to financial and legal professionals that are ready to assist with whatever financial or legal issue you may have.

Legal Referral Network– You and your eligible family members are entitled to one (1) initial 60- minute office or telephone consultation per separate legal matter at no cost. Each 60-minute session may be used to obtain an assessment of your legal matter, receive advice, guidance and to gain an understanding of the options that may be available to you under the applicable laws. There are no limits to the number of legal matters you can receive consultations on.

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• Legal Matters • Personal / Family Legal Services • Estate Planning Law • Civil / Consumer Issues • Business Legal Services • Real Estate • Criminal Matters • IRS Matters • Consumer Credit Services

In the event that you wish to retain a participating attorney after the initial consultation for a service other than those items listed above, you will be provided with a preferred rate reduction of 25% from the attorney’s normal hourly rate. There are no limitations associated with the amount of savings to which you are entitled through this discount. Virtually all types of legal matters are eligible for these services.

Matters involving disputes or actions between members and their employer, CLC or its plan sponsors, agents or their officers, directors or employees are specifically excluded from eligibility of this plan. Also excluded are matters that, in the attorney’s opinion, lack merit. Court costs, fi ling fees and fines are the responsibility of the member.

Financial Coaching - Members receive up to 60 minutes of telephone consultation (through two 30-minute sessions) with a financial professional for each issue surrounding identity theft. You and your eligible dependents are entitled to consultation concerning budgeting, debt consolidation, lease / purchase issues, retirement planning, college funding and other general financial matters. There is no limit to the number of issues you can receive consultations about.

It’s Easy To Use: Simply call 1-800-541-9701 to utilize any of the following services and present the customer service representative with your name and membership number and the type of legal matter you have. You will be provided with the name, address and telephone number of the provider firm located nearest you.

Online Resources

To utilize any of the following services, simply go online to the CLC website - www.clcmembers.com and log on with your user name (SAP) and password (SAP). You will then have the Members’ Only Access to over 900 legal forms, over 1000 legal articles. Examples of topics, forms and calculators located online to help you solve common legal and financial problems include:

Legal & Financial Forms • Affidavits • Business • Government • Appraisals • Consumer Credit • Powers of Attorney • Employment • Real Estate • Family & Personal • Estate Planning • Sales & Leases • Bankruptcy • Arbitration/Releases & Settlements

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The CLC web site is provided for your information only and should not be relied on as legal advice. Nothing transmitted from the web site constitutes the establishment of an attorney-client relationship between you and any attorney noted. Applicability of the legal principles discussed at the site may differ substantially in individual situations or in different states. Remember, that when dealing with any legal matter do not rely on these materials without first seeking the advice of a licensed attorney about your particular situation and facts. CLC does not guarantee the accuracy of any information available through the links you will find at this web site. Nothing contained at this web site should be construed to constitute a recommendation or endorsement of any product, service, site, law firm or attorney. The links and information on this site are provided as a matter of convenience to the public.

Identity Theft Hotline: (800) 706-5749

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Tax Preparation

Tax Hotline Benefits

• Unlimited tax assistance from tax professionals for business & personal tax needs

• Tax preparation for business & personal returns

• Free review of last year’s return

• Advice regarding IRS Letters and Audits

• Informative tax tips & tax law changes

Expert Tax Advice from Tax Professionals, Enrolled Agents, CPA's, former Auditors and Tax Attorneys providing Year Round Tax Advice since 1995

Tax Advice for all of the stages of your life!!!

- Is my Social Security, unemployment or retirement income taxable? - How does Capital Gains tax work? - Which deductions can I take if I have a home-based business? - Am I receiving all of the tax deductions that I am entitled to?

The questions we answer are not limited to "Tax Time".

- What is the Energy Tax Credit? - What is a Roth Ira? Is it suitable for me? - What is a 529? - Do I get a tax break for child care expenses?

Tax Preparation Hotline: (800) 924-3091

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Student Assist Plus Member Terms & Conditions

This Agreement is entered into on the date shown below between Student Assist Plus, LLC (hereinafter the “Company”) and the Client identified on the signature lines below (the “Client”).

The Company is a provider of valued non-insurance lifestyle and student benefits. The Company is a private for-profit company and is not affiliated with any government agency. For a fee the Company will make discount benefits available to the Client. The Company is not a debt consolidation company, or a law firm and does not provide legal advice.

The Company and the Client do hereby understand, covenant and agree to the following:

1. Performance of Services. Upon receipt of this signed Agreement from the Client, including the completed Payment Authorization (Exhibit A) section below, the Company will initiate the Client’s enrollment into Student Assist Plus on the date agreed upon in Exhibit A. Thereafter, the Client will be contacted by a Company representative who will provide assistance in accessing program benefits.

2. Fees that Client Pays. The payment for the Company’s services will be $29.99 per month, commencing on the date agreed upon in Exhibit A. The Client can cancel Student Assist Plus at any time. Payments will be collected automatically by the Company on a periodic payment plan as indicated in the Payment Authorization (Exhibit A) section below. All fees shall be debited from Client’s bank account or charged on Client’s credit card pursuant to the Payment Authorization. Client shall be responsible for any third party support or service fees, such as bank processing or third party account fees.

3. Timing. Once the Client provides the Company with a signed Agreement and Payment Authorization, the Client will have completed all steps necessary to initiate enrollment in the services. The Client is eligible to receive benefits after the date agreed upon in Exhibit A.

4. Conditions and Limitations of Service.

(a) Student Assist Plus includes Student Loan Solutions, which is a service that oversees your student loan account for the duration of your account. Student Loan Solutions provides administrative services, including support with postponing payments, changing debit dates, document preparation services for modifying payment plans, reapplying for student aid and providing related administrative support. The Client has read and understands the terms and conditions of services located on the Student Assist Plus website at http://studentassistplus.com, including the Student Loan Solutions requirement that the Client be current on all Company program payments and that the Client has already been through at least one student loan consolidation process with the Department of Education before enrollment into Student Assist Plus. Student Assist Plus is not insurance.

(b) In addition to the Student Loan Solutions, the Student Assist Plus membership plan includes valuable lifestyle benefits including identity theft monitoring, credit monitoring, credit reporting, discounted legal services/legal aid, tax preparation and tax advice.

(c) The consumer services are available to immediate family members. Immediate family members are defined as a spouse or domestic partner, children up to the age of 26, parents in the household over age 60 and any other IRS Dependents.

5. Cancellation Policy. If the Client cancels Student Assist Plus within the first thirty days of Client’s first payment, the Client will receive a refund. The Client can cancel its subscription to Student Assist Plus at any time by written cancellation setting forth the Client’s name and account number to:

Cancellations – Student Assist Plus 8001 Irvine Center Drive, Suite 400 Irvine, CA 92618 (888) 456-4055 10

6. Limitations on Damages. Liability under this Agreement and/or relating directly or indirectly to the Client’s participation in any student benefit or discount program, under any theory of liability regarding any claim by the Client is limited to the amount of fees paid by the Client and received by the Company. The Parties agree to be contractually bound to such limitation on any damages, and agree not to demand or attempt to recover any amount in excess of such. This section shall survive any termination of this Agreement.

7. Entire Agreement. By virtue of Client’s signature below, Client acknowledges that he/she has read, understands and agrees to every term, covenant and condition of this Agreement without change or modification and that he/she has received a true and complete copy hereof, effective on the date below. This agreement is the only agreement between the parties and there is no other collateral agreement (oral or written) between the parties in any manner relating to the subject matter of this agreement. If any portion of this agreement is held to be invalid or unenforceable, the remaining provisions will remain in effect. The parties mutually understand and agree that a facsimile copy signature or an electronic signature on this agreement shall be deemed an original for all lawfully enforceable purposes.

8. Electronic and Voice Communication Consent. Client consents to do business electronically with Company. Client understands that electronic transactions, not limited to emails, are inherently unsecure and that both Client and Company will take all reasonable steps to maintain the Privacy of the information shared between the parties. Client consents to receive information and documents relating to this Agreement and Company services via electronic mail, text message, facsimile, voicemail, and any other common electronic means. Client understands that all costs associated with the receipt, review and use of such electronic communications shall be those of Client, such as maintaining access to the Internet or paying for text messages. Client consents to receive updates and documents relating to this Agreement and the services and programs offered by Company via prerecorded voice messages, text/SMS messages, and/or through the use of an automated dialing system. Client may contact Company at any time to opt-out of receiving updates, new programs or offers through prerecorded or autodialed messages.

9. IMPORTANT – entities or persons contemplated herein) arising out of or relating to this agreement or the breach, termination, enforcement, interpretation, unconscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined and resolved exclusively by arbitration in the county which the consumer resides, or the closest metropolitan county, in accordance with the Laws of the State of California for agreements to be made in and to be performed in California. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not attorney’s fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.

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Phone Directory

Member Services ...... 1-888-456-4055 • General Questions • Provider Nomination • Comment on provider services

Student Loan Solutions ...... 1-888-337-0465

Credit Monitoring...... 1-800-706-5749

Legal and Financial Coaching for ID Theft…...... 1-800-541-9701

ID Theft & Fraud Resolution...... 1-800-706-5749

Tax Preparation Hotline...... 1-800-924-3091

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