Protecting Families, Finances, and Your Future

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1 Protecting Families, Finances, and Your Future

2 Protecting Families, Finances, and Your Future

3 Types of Identity Theft The Federal Trade Commission reports that identity theft has been the NUMBER ONE consumer complaint for ELEVEN consecutive years!

4 Identity Theft Facts Over 512 million Americans Identities have been reported lost or stolen since January Over 400,000 dead people opened bank accounts last year. The revenue from trafficking financial data has surpassed that of drug trafficking. US Secret Service Over 3.5 million children have already fallen victim to identity theft in the US.

5 Identity Theft Facts Identity Theft is poised to increase by a factor of 20 over the next two years. The criminals are still trying to figure out what to do with all the data. There are currently over 27,000 NEW identity theft victims EVERY DAY! You are THREE times more likely to have your identity stolen than you are to have your house or car broken into.

6 Identity Theft Facts The average dollar amount charged in Identity Theft: $92,893 The average time taken by a victim to restore their identity is 607 hours. Most identity theft issues are noncredit related.

7 Identity Theft Facts It takes About 60 seconds to find out that you are a victim of identity theft An average of 600 hours to restore your identity

8 Protecting Families, Finances, and Your Future

9 Types of Identity Theft Character & Criminal Employment SSA & IRS Medical Financial Drivers License Minor Children

10 Types of Identity Theft Character & Criminal Employment SSA & IRS Medical Financial Drivers License Minor Children

11 Types of Identity Theft

12 Types of Identity Theft Character & Criminal Employment SSA & IRS Medical Financial Drivers License Minor Children

13 Types of Identity Theft

14 Types of Identity Theft Character & Criminal Employment SSA & IRS Medical Financial Drivers License Minor Children

15 Types of Identity Theft

16 Types of Identity Theft Character & Criminal Employment SSA & IRS Medical Financial Drivers License Minor Children

17 Types of Identity Theft Credit card fraud accounts for less than 17% of identity theft. A thief can destroy your good credit in a matter of hours. Banks have done a great job telling people that identity theft is mostly credit monitoring.

18 Types of Identity Theft Character & Criminal Employment SSA & IRS Medical Financial Drivers License Minor Children

19 Types of Identity Theft Character & Criminal Employment SSA & IRS Medical Financial Drivers License Minor Children

20 Types of Identity Theft I owe $16,000 on my credit cards, my condo s in foreclosure and I turn seven on Friday.

21 Protecting Families, Finances, and Your Future

22 Identity Theft Prevention Tips 1. Review a current copy of your credit report. 2. Make sure you shred junk mail and unwanted credit card offers! 3. Opt out when you receive Privacy Statements You must write them to stop companies from sharing your information. 4. Do not carry your Social Security Card Keep it safe at home. 5. Do not carry extra credit cards. 6. Copy the contents of your wallet and store in a secure place.

23 Identity Theft Prevention Tips 7. Do not mail bill payments and checks from home. Use locked mailboxes. 8. Do not print your Social Security number or drivers license number on your checks. 9. Order your Social Security Earnings and Benefits statement and check it for accuracy. 10. Examine charges on your credit card statements each month. 11. Never give your credit card number or personal information over the phone unless you initiated the call. 12. Invest in an identity theft protection plan that provides restoration services.

24 Protecting Families, Finances, and Your Future

25 Identity Theft Plans Monitoring Plans Reimbursement Plans Fraud Alert Services Restoration Plans

26 Plan Recommendation Identity Theft Shield Provided exclusively by Kroll Fraud Solutions Group Complete Credit Analysis 24 Hour Credit Monitoring Complete Identity Restoration Minor Coverage

27 Plan Recommendation Kroll is the world s leading risk consulting company. Headquartered in New York Founded in 1972 by Jules Kroll Operates in 65 cities and 33 countries with over 3800 employees Kroll maintains a superior expertise in monitoring credit and restoring the lives of identity theft victims.

28 Plan Recommendation We have found that identity theft can lead to many legal issues including: Criminal Charges Arrests Lawsuits Garnishments Civil Litigations IRS Audits

29 Plan Recommendation PREVENTIVE LAW Unlimited telephone consultation Letters and telephone calls Legal contract & document review Access to legal forms online ESTATE PLANNING Preparation of your last will and testament Annual updates Preparation of a health care power of attorney Preparation of a living will MOTOR VEHICLE Assistance with moving traffic violations Drivers license services Defense of some criminal charges TRIAL DEFENSE Trial defense of civil actions Covers some job related criminal lawsuits Pre-trial and trial assistance Coverage increases each year for the first five years The above is a summary of benefits only. See membership policy for complete details, limitations, and exclusions.

30 Plan Recommendation IRS AUDITS Consultation Representation at audit Representation at trial 24 HOUR ACCESS If you are ever arrested, detained or served with a warrant you have access to your provider law firm 24 hours a day Under the protection of LegalShield, you and your family can live your life worry-free, every day, every night, now and forever. The above is a summary of benefits only. See membership policy for complete details, limitations, and exclusions.

31 Plan Recommendation LegalShield gives you access to one of the largest law firm networks in the world. This network is paid in excess of 100 million dollars a year. Total Access Total Freedom

32 Enrollment Details Employees qualify for a special group rate of: $5.98 per week! That is less than the cost of a bottle of water a day! Add 23 cents a week for minor coverage.

33 Enrollment Details OPTION A OPTION B IDENTITY THEFT COVERAGE ONLY IDENTITY THEFT WITH LEGAL COVERAGE $12.95 a month/ $2.99 a week $25.90 a month / $5.98 a week BEST VALUE!

34 Enrollment Details OPTION A OPTION B COVERAGE FOR MEMBER & SPOUSE $12.95 a month COVERAGE FOR MEMBER, SPOUSE, & ALL MINOR CHILDREN $13.95 a month

35 Enrollment Details This benefit is available through payroll deduction at a special group rate. Complete the YELLOW highlighted area of your membership form. $10 enrollment fee is waived for all employees!

36 Enrollment Details Complete the YELLOW highlighted area of your membership form. If you want your payment through checking or saving account complete the PINK areas. If you want your payment through debit or credit card complete the BLUE areas. $10 enrollment fee is waived for all employees!

37 Protecting Families, Finances, and Your Future