Comprehensive ID theft protection powered by Early Detection Technology

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1 WELCOME TO THE US RESOURCE TEAM! Dear Agent, Identity theft has become a major issue in today s online environment, mainly thanks to the epansion of web technologies and the increased eposure to the web that we all have. Millions of people have been affected by identity theft and this has caused losses of billions of dollars to the economy. This is why you need a professional and secure way to handle such issues; otherwise you are bound to (suffer money loss). US Resource provides a program that allows your business to provide customers with the much-needed protection necessary with any identity-theft case. US Resource ID Theft Monitoring alert will the member in real time; so if anyone touches accounts or sensitive data without notice, users will immediately receive an notification. US Resource even provides a $1 million personal asset insurance policy that will cover losses in the event a problem occurs. With the help of US Resource you will stand out from the competition, drive retention and deepen customer engagement. With US Resource, you will be able to provide the much needed security that your customers deserve. US Resource identity theft solution allows you and your customers to get the peace of mind when entering sensitive information online. You can easily track who gets access to that information, with complete and fast notifications being sent in realtime. US Resource is the most reliable service that you will ever need when it comes to monitoring your ID, and thanks to the ability to reach our Certified Fraud Resolution Specialists immediately, your client will receive premier service. Do not hesitate to take cyber-security seriously and use US Resource to take your business to the net level, as your customers will appreciate your efforts.

2 ID Theft Protection ID Monitoring 24/7 Real Time Early Detection Technologies Bank, SSN, ID Theft Monitoring Public Information Removal Medical Bureau Monitoring (MIB) $1,000,000 Bank Fraud Insurance $25,000 Epense Reimbursement Insurance Lost or Stolen Wallet/Purse Protection Accept All Claims Personalized Protection Portal Alerts In Real Time of Suspicious Activity In-House Certified Fraud Resolution Specialists In-House Certified Credit Restoration Specialists Cyber Crime Eperts Unlimited Fraud Resolution Assistance Unlimited Phone Guidance Prevention of Future Security Breaches Credit Report Analysis IRS Recovery Assistance Free Attorney Referrals for Credit Matters Legal & Financial Wellness 20,000 Credentialed Attorney Network Servicing All 50 States LIVE Call Center 24/7 No Cost Legal Consultation Flat Fee Legal Services Attorney Services 25% Discount Mediation Services 25% Discount Do It Yourself Free Legal and Financial Forms Transparent Pricing No Eclusions or Limitations Asset Protection Eperts No Cost Financial Consultations - Over 30 Topics No Cost IRS Ta Consultations CPA 25% Rate Reduction Discounted Ta Preparation Group Insurance Benefits Individual* *Group pricing; Additional discounts available Ultra Ultra Plus US Resource Monthly Plans Ultra Ultra Plus $13.95 $ (866)

3 ID Theft Protection Proactive ID Theft Protection Actively Monitors Databases for Changes in Address Lost or Stolen Wallet / Purse Protection Reduces Credit Card Offers Reduces Junk Mail ID Monitoring Accepts All Claims (No Minimum Claim Value Required) Credit Report Analysis for Credit Restoration (Certified Credit Counselor) Financial Coaches to Restore Credit (Certified Credit Counselor) ID Theft Emergency Response Kit In-House Fraud Resolution Specialist Free Legal Referrals for Protection Against Creditors and Collection Agencies Member Selects His/Her Own Attorney to Pursue Creditros and Collection Agencies Lost Wages Reimbursement for Time Lost from Work Due to Fraud Related Issues Up to $25,000 for Out of Pocket Epenses Reimbursement Insurance* Up to $1,000,000 in Unauthorized Electronic Funds Transfer Insurance* Ta Return to Establish and Assist with Deductions for Fraud Losses IRS Recovery Cases Free of all Legal Actions and Claims (No Pending or Active Lawsuits Against Company) Legal Network of 20,000 Credentialed Attorneys Flat Fee and Discounted Legal Fees Financial Network Free Financial Consultation Discounted Ta Preparation Family Memberships (up to 4 family members) ID Theft Protection (per month) Individual Membership 1 (866) How Does US Resource Stack Up Against the Competition? US Resource $13.95 Life Lock* Identity Guard* $25,000 $10,000 $10,000 US Resource Life Lock* Identity Guard* $29.99 $24.99 * This comparison is for illustration purposes only. It is not to be distributed to the public. Since benefits change over time, no representations and warranties are made as to the accuracy of this comparison. Individual companies are to be contacted directly for current information. Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Insurance Company. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and eclusions of the policies described. Please refer to the actual policies for terms, conditions, and eclusions of coverage. Coverage may not be available in all jurisdictions.

4 IDENTITY MONITORING FOR HIGH RISK TRANSACTIONS 24/7/365 Identity Monitoring Benefits: Monitored Transactions: Online high risk events, often pre-credit issuance transactions, are monitored in real/near-time 24/7/365, including banking, brokerage, MoneyGram, telecommunications, medical (MIB), cell phone, Docu-Sign, PayPal and EBay accountsonline transactions. Notifications: An is sent directly to the member (at or near) the time monitored transactions are taking place. The member can take prompt preventative steps, if the transaction does not belong to the member. Dash Board Review and Monitoring Alerts: 24/7/365- Members see their Risk Alert Score and current alerts for suspicious activity against their name, SSN, date of birth, address, address and telephone number. Notifications: Members are notified of on-line unauthorized accounts opened in their name and changes made to their personal information. Counseling Assistance: Members receive personal assistance regarding identity monitoring changes, preventative steps to take and related issues. Personalized Attention: Members receive personalized attention for monitoring alerts and concerns addressing their specific factual circumstances. Notifications: An is sent directly to the member at or near the time these transactions are taking place, so the member can take prompt preventative/corrective steps if the transaction does not belong to the monitored member. Fraud Resolutions Services: Enrolled members can either immediately go their online Dashboard to review and manage the suspicious activity (alert data) and/or contact a CLC Fraud Resolution Specialist (FRS) for guidance and assistance to reduce resulting damages as an ID theft victim. FRS services include assistance with placing a fraud alert or creating a security freeze with Credit Reporting Agencies to protect against the issuance of new credit lines or future services provided on credit. The FRS can also advise of other pro-active steps that can be taken to reduce potential losses.

5 IDENTITY MONITORING FOR HIGH RISK TRANSACTIONS Financial & Banking Address Changes Password reset Wire and ACH Transactions New loan accounts requests New check re-orders Brokerage New Accounts, Password Resets Wire and ACH Transactions Address changes Telecommunications New accounts Password Resets Address Changes Medical New Accounts for Medical Insurance Billings (MIB) Registration to view medical records address changes Social Security Number Receive alerts for non-credit activities such as employment New Credit Applications Real Estate DMV Payday Loans New Application Payroll Companies Any requests for Payroll information Any Requests for W2 information Money-Gram Sending money new accounts opened Assurion Cell phone insurance claims Docu-Sign New Accounts (Real estate transactions; secure documents etc.) PayPal and EBay New Accounts Address Changes Money Transfers Password resets Retail New accounts (Credit Card) Password resets Address changes

6 ID THEFT EMERGENCY RESPONSE KIT SUMMARY In addition to the personalized services provided by US Resource s certified Fraud Resolution Specialists, members also receive an Emergency Response Kit (ERK) outlining action steps and recommendations regarding identity theft prevention and restoration of the member s damaged or at risk identity. Each Fraud Resolution Specialist is certified under the Fair Credit Reporting Act (FCRA), as administered by the Consumer Data Industry Association. Since the ERK is a comprehensive copyrighted publication, it is only provided to employees or members who have actually had an identity theft take place, or a least a strong suspicion that one has occurred. The subject matter headings of the ERK contents are as follows: Identity theft as the fastest growing crime in America (statistics on risk) ID theft prevention- the preventative steps to be taken now and going forward If the member is a victim of identity theft, the ERK provides the immediate emergency steps to be taken, including contact numbers, addresses, phone numbers, Federal Agency contacts, web pages and etc. Information regarding medical identity theft and criminal identity theft Protecting your children from identity theft How to obtain a an immediate free annual credit report required by FACTA, with web pages and phone numbers Ordering additional credit reports, with contact information (web addresses and phone numbers), from TransUnion, Equifa and Eperian Consumer reports and Credit Reporting Agencies (CRA) and FAQs on how a CRA works and what is required by law to assist the victimized member Sample Dispute letter to a Credit Reporting Agency, creditor of collection agency, or a law firm representing the creditor/collection agency. Sample letter to request a 7-year fraud alert or security freeze How to file a police report, which is required for security freezes and for disputing wrongful claims by creditors and collection agencies Instructions and the official form for completing a formal ID Theft Affidavit to use with CRAs, creditors, banks, collection companies, law firms and etc. Sample Fraudulent Account Statement for use with the ID Theft Affidavit (often required by creditors or law enforcement agencies) Identity theft tracking form for contacts, dates and notes

7 LEGAL AND FINANCIAL WELLNESS Eligible Legal Service List of Fied Flat Fee and Discounted preferred rates available Administrative Disability DMV Education Licensing Name Changes Bankruptcy Chapter 7 Chapter 11 Chapter 13 Bodily Injury/ Personal Injury Business Incorporations LLC Non-Profit Partnerships Civil Appellate Practice Civil Rights Civil Suits Class Action Lawsuits Collections Consumer Contractual Disputes Defamation of character Defaults Discrimination Entertainment Law Foreclosures Garnishments Identity Theft Insurance Investment Counseling Labor Law Lemon Law Military Law Mineral, Gas & Oil Neighbor Disputes Police Misconduct Product Liability Protective Order Repossession Securities Stocks Toic Mold Tribal Law Warranties Criminal Domestic Violence Misdemeanors Juvenile Delinquency Felonies Traffic Violations/ Accidents Boating Violations/ Accidents Other Domestic Relations Adoption Child Custody Child Support Collaborative Law Divorce Divorce with no Children Domestic Violence Gay/Lesbian Rights Grandparents Rights Guardianships International Adoption Juvenile Dependency Military Law Name Changes Prenuptial Agreement Protective Order QDRO (Qualified Dom Relations Order) Stepparent Adoption Uncontested Divorce Elder Law/Elder Care Conservatorships Disability Planning Elder Abuse Guardianships Medicaid/Medicare Planning Medical Directives Power of Attorney Estate Planning Conservatorships Guardianships Power of Attorney Revocable Living Trusts Simple Wills Wills Immigration Citizenship Deportation International Visas Intellectual Property Copyrights Patents Trademarks Landlord/Tenant Landlord Tenant Malpractice Dental Legal Medical Probate Real Estate Code Enforcements/ Violations Construction Easement Foreclosure Homeowners Association Loan Modifications Property Ta Sale and Purchase Zoning Social Security Appeals Social Security Social Security- Disability Ta Federal Ta IRS Disputes Property Ta State Ta Workers Compensation Other: Speakers Bureau* Elder Abuse: Financial/ Physical Elder Law Estate planning / Wills & Trusts Guardianship/ Conservatorship Identity Theft Powers of Attorney/ Advanced Directives Probate/Trust Administration Other: *Requires Completion of the Speakers Bureau Agreement