Abstract: Identity theft services, made available as an inherent part of a financial services account with an optional fee structure, are believed to provide economical and attractive option to the market place, and an additional safeguard to the financial organization from the effects of fraud and security breach. By providing notice followed by a period to opt out and then instituting a new identity theft service, a revenue generating stream can be provided for a financial organization as well as a service provider. Furthermore, the customers at the financial organization are provided with identity theft service benefits not previously enjoyed. When utilizing this service with a Covered Group, even those individuals that opt out may be provided at least limited identity theft services.