A UNIQUE SERVICE PACKAGE FOR WHITE MOUNTAINS INSURANCE GROUP

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1 A UNIQUE SERVICE PACKAGE FOR WHITE MOUNTAINS INSURANCE GROUP As part of your employee benefit package you are provided with a suite of OneBeacon Services! The suite of services provides help with avoiding and resolving identity theft one of the fastest growing crimes in America. Your service package includes: Identity Management Services including: - Proactive Services to help protect against identity theft - Theft Resolution Services Your group number is OBS-IDT You will be required to use this number to access your service. Your id card is attached at the end of this document. Cut it out and keep it with you at all times. If you fear your identity has been stolen or if you wish to access the proactive services needed to help protect your identity, refer to the phone number on your id card. The following is an overview of services. Fraud Resolution Response: From restoring the victim s good name to guiding a surviving spouse through the process of safeguarding the deceased loved one s accounts, you are provided with access to services that help manage an identity-related issue. Services are: Dedicated Fraud Specialists work one-on-one with the victim through the resolution process. This includes working with all relevant parties, from credit bureaus and collection agencies to law enforcement and government. Unlimited fraud specialist services, including follow-up even after resolution. Notification of Businesses, Agencies and Institutions Fraud specialists will prepare all correspondence necessary to notify all relevant parties of the fraud. They create and maintain a comprehensive case file of all phone calls, documentation and results for each victim. Additionally, they assist the victim with placing fraud alerts and freezes on their credit reports and help enroll the victim in state identity theft passport programs, if necessary.

2 Victim Tools and Monitoring Services The victim will receive a full year of credit monitoring, as well as fraud monitoring of over 1,000 public record databases at no cost. Fraud specialists can also help victims interpret their credit reports for signs of fraud. Proactive Fraud Response protecting an individual s identity and staying apprised of fraudulent activities. Proactive Fraud Alerts and Credit File Freezes Fraud specialists can assist in placing proactive credit file fraud alerts. A fraud alert is a statement added to the files maintained by the three major credit bureaus that notifies potential credit grantors to check with the customer before extending new credit. In addition, a proactive fraud alert will opt the customer out of most marketing lists. In more extreme identity theft cases, a fraud specialist may determine that a credit file freeze is needed. Individuals have the option to implement these services. Infant & Minor Identity Risk Mitigation Response helping parents and guardians protect their child s identity in the event of fraud. Credit File Protection Credit bureaus do not knowingly maintain files on minors under the age of 18. Nevertheless, a credit file containing a child s personal information can exist if a criminal has made a fraudulent application for credit using this information. Fraud specialists will work with the three national credit bureaus to suppress the victimized minor s credit file until the child reaches the age of 18. This prevents further fraudulent activity in the minor child s name. Removal of Fraudulent Information Before ordering the protection of a child s credit file, a fraud specialist will work to remove any fraudulent entries from the file. Deployed Military Personnel Response defending those who defend our country. Active Duty Fraud Alert A fraud specialist will notify the three credit bureaus to place an Active Duty Military Fraud Alert on the service member s credit file. The alert will remain in place for 12 months. This alert can be extended or removed prior to the expiration date. Marketing List Opt-Out Pre-approved credit card offers and other personalized marketing pitches are often exploited by identity thieves. Military personnel who place an Active Duty Military Fraud Alert will also be removed for two years from the marketing lists generated by the credit bureaus. Medical Identity Response the medical identity theft remedy. By working within the limits of the Health Insurance Portability and Accountability Act (HIPAA), as well as identity theft and data protection regulations on both the state and federal levels, the fraud specialist will assist the victim in dealing with collection agencies, insurance companies, government health agencies, law enforcement, and when necessary, health care providers to help clear up medical identity theft issues. OneBeacon Services

3 Surviving Spouse Response guiding a surviving spouse through the process of safeguarding the identity and securing the accounts of a deceased loved one. Copy of your Loved One s Credit Report A fraud specialist will assist the survivor in gathering the required documents and walk them through the process to request the deceased s credit file for review. The credit file will then be suppressed to prevent any future fraud. The report is an excellent tool for determining whether identity-related fraud has occurred. Clarification of Existing Credit Accounts It is important for a surviving spouse to know which of the three basic kinds of credit accounts their partner maintained, and to determine what open credit accounts existed at the time of death. Credit accounts may also be checked for embedded life insurance benefits, which are often overlooked by the surviving spouse. Systematic Notification of Credit Bureaus Since the credit bureaus don t know when a person passes away, systematic notification to the bureaus is crucial in locking down the identity of the deceased. If the deceased is at particularly high risk of identity theft, it may be necessary to place an alert to warn potential credit grantors that the person has passed away. Notification to All Credit Issuers Based on the type of accounts held by the deceased, action may be taken to close, limit, and/or secure all open credit accounts to prevent any potential fraud or abuse by third parties. Account Assistance Often a surviving spouse is unaware of how to obtain relevant documents. Fraud specialists can assist in obtaining these documents for the estate. These documents may include certified or official copies of certificates of honorable discharge from the military, marriage certificates, birth certificates and death certificates. Identity Travel Response helping to recover lost or stolen documentation, while avoiding potential fraud. Facilitated Document Replacement and Expedited Travel Fraud specialists are on call 24/7 to expedite replacement of passports, visas, driver s licenses and state identification, immigration and other identity documents. The personal fraud specialist works to get the traveler back on track with minimal delay. Even after the traveler is safely home, the advocate stays on the case until all issues are resolved and documents restored. Access to Financial Institutions and Records The traveler s personal fraud specialist works with family and friends to send emergency funds through secure channels, while working with the victim to help protect financial, credit and identity data. Central Communications Hub The traveler s fraud specialist acts as a relay point for messages to relatives, friends and neighbors, and an efficient single point of contact for communicating with government agencies, financial institutions, employers and other key figures in the recovery process. Travelers can call toll-free from over 35 countries worldwide. OneBeacon Services

4 Relocating Residences Response by keeping one s identity safe during a move. Access to Financial Institutions and Records Fraud specialists will work to help protect financial, credit and identity data during a move. Facilitate Replacement of Missing Documents Fraud specialists are available to facilitate replacement of documents that go missing or are lost during a move. These documents can include driver s licenses and state ID s, Social Security cards, birth certificates, marriage licenses, divorce decrees, passports and visas, immigration and tax documents, and property deeds. A fraud specialist stays on the case until all issues are resolved and documents restored. Central Communications Hub The fraud specialist acts a relay point for messages to relatives, friends and neighbors, and a single point of contact for communicating with government agencies, financial institutions, employers and other key figures in the course of a move. Catastrophic Event Documentation Replacement Response helping disaster victims recapture the critical documents needed to rebuild their lives. Facilitated Document Replacement and Authentication Fraud specialists are on call to guide victims through the recovery process, facilitating the replacement of driver s licenses and state ID s, Social Security cards, birth certificates, marriage licenses, divorce decrees, passports and visas, immigration and tax documents, and property deeds. Central Communications Hub The personal advocate acts as a relay point for messages to relatives, friends and neighbors, and an efficient single point of contact for communicating and coordinating with government agencies, financial institutions, employers, health care providers, insurance companies and other critical figures in the recovery process. Access to Financial Institutions and Records The specialist works with family and friends to send emergency funds through secure channels, while working with the victim to protect financial, credit and identity data. Marriage & Divorce Response guards against identity theft during emotional periods of life. Home & Auto Invasion ---provides options to monitor and protect an identity following an incident. You have the power of Identity Theft Services to manage the unforeseen circumstances often associated with the loss of one s identity. If you fear your identity has been stolen or wish to take preventative actions call OneBeacon Services

5 cut the card out of the document using a scissor and keep with you at all times.

6 OneBeacon Services, LLC is a wholly owned entity of OneBeacon Insurance Group LTD. Services may be provided by third party service providers.

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