In addition to claiming for losses, individuals affected by the breach will benefit from 10 years of free credit monitoring services, including 4 years from Experian and TransUnion and a further 6 years from Equifax. If class members have already arranged credit monitoring services, they will be able to claim a cash reimbursement to cover the costs of the services they have already paid for. Depending on the number of credit monitoring claims, Equifax may be required to make up to $2 billion available to cover the costs, so the cost could rise to $3.8 billion. $175 million must also be paid to 48 states, a $100 million civil monetary penalty must be paid to the Consumer Financial Protection Bureau (CFPB). The total cost of the settlement is $1.38 billion, plus a further $2 billion is possible to cover credit monitoring costs. The total cost of the compensation package is expected to be around $700 million. However, there are caveats, which will limit the amount the Equifax will have to pay.