Membership Information. Now you have the experts in the field on your side!

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1 A professional thief can assume your identity in just a few hours, but it can take years for you to restore your credit standing. Now you have the experts in the field on your side! Membership Information

2 Inside Frequently Asked Questions 2 6 Your Benefits 7 For Safety s Sake: Personal Information to Monitor 8 8 Simple Steps You Can Take To Reduce Your Exposure To Identity Theft 9 Know Your Rights 10 Privacy Policy Q. Who is covered by my plan? A. For your low monthly fee, both you and your spouse are covered under the same plan (providing you and your spouse are listed on the original membership application). Q. What is identity theft? A. Identity theft is a crime that occurs when someone steals your personal information and uses it to obtain false credit. It often begins with the theft of a Social Security number, credit card number, debit card or phone card. Q. Where does an identity thief get this personal information? A. Identity thieves steal information from a variety of places. They take it from stolen wallets or purses that contain credit and bank cards. Or they help themselves to bank and credit card statements, credit card offers and tax information that s in your own mailbox or trash can. They may even file a change of address form in your name and have all your mail sent to another location. Some thieves fraudulently obtain a credit report in your name. Others access personal information you share on the Internet. Q. How do they use the personal information they steal? A. It s common for an identity thief to call your credit card company and ask that the mailing address on your credit card be changed. They run up charges on your account... and then have the bill sent to another address. Other thieves open new credit card or bank accounts using your name, date of birth, and Social Security Number. So when the bills aren t paid or the checks bounce, it s reported on your credit report. Still other thieves use your name and credit to take out loans for which creditors think you re responsible. Q. What should I do if I am a victim of identity theft? A. As a member, all you have to do is make one phone call toll-free to One of the professionals on our staff will do most of the work for you. Have a question? Call toll free: AM 7PM CT

3 Ways Your New Identity Theft Shield Helps to Guard Against Identity Theft Your membership gives you easy access to the resources you need to understand your credit rating... and the information and services you need to fight back if an identity thief threatens your financial standing. Our services are designed to alert you to certain account activity and to restore resulting damage to your credit history. 1 Credit Report Make sure your financial records are accurate. 2 Personal Credit Score and Analysis Know your credit score... and how it affects your ability to borrow. 3 Continuous Credit Monitoring Learn of suspicious activity before your credit is ruined. 4 Identity Restoration Let the experts do the work for you. SPECIFIC PLAN INFORMATION on the following page

4 1 Credit Report Through Experian Make sure your financial records are accurate. Your credit standing is one of your most important financial assets. It not only affects your ability to get credit, it often dictates the interest rate at which you can borrow. It can also affect your ability to purchase insurance or to find employment. Both insurance companies and prospective employers use your credit rating to gauge your sense of responsibility. Experts recommend you review your credit report regularly. Your membership makes it easy. You are entitled to an up-todate credit report based on data from Experian at no extra charge! To get your credit report, complete and return the enclosed form. 2 Personal Credit Score and Analysis Know your credit score... and how it affects your ability to borrow. 3 A detailed analysis of your Personal Credit Score will be included with your first Credit Report. You can use this analysis to evaluate your current credit standing... and, if necessary, make the adjustments necessary to improve it. Why does my credit score sometimes vary? Credit scores are provided to consumers to help them better understand how lenders evaluate your credit worthiness. Your credit score is not an endorsement or a determination of your qualification for a loan. Each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation from each lender. As part of the underwriting process, lenders will incorporate additional information you provide and may obtain references. In addition, even if you are approved, the terms and conditions of loans may vary from lender to lender. Your credit score may change every time new information is added to your credit report. Most companies that offer a consumer credit score calculate the score based on many of the same criteria considered by the leading consumer credit scoring companies, producing in most cases a consumer credit score that duplicates or closely approximates the typical consumer credit score used by banks, mortgage lenders, and loan companies when determining credit worthiness. How will the score I receive on my credit report be determined? The score you receive is calculated and determined by a third party scoring system (Confidential Credit Smart Score) based on credit data received from Experian, one of the three national credit repositories. The credit score is calculated by a scorecard or scoring model a mathematical equation that evaluates many types of information from your Experian credit report. Each of these factors is assigned a weight based on how strong a predictor it is of who would be a good credit risk. The Confidential Credit Smart Score will provide you: A credit score range of 150 minimum to 930 maximum (high score means low credit risk). Up to four factor descriptions that explain why your credit score is not higher. The factors will appear in order of impact to your credit score. Scoring characteristics The credit score may be generally summarized into six categories: Maintaining credit considers your payment record Total balances considers how much money you currently owe Credit experiences considers how long accounts have been open Credit mix considers the types of credit you use Utilization of credit considers the amount of credit you use in relation to the amount of credit available Credit applications considers how often and how recently you have applied for credit Is the Smart Score credit rating I ll receive the same as I ll receive from a lending institution? Confidential Credit Smart Score is provided solely as a tool to assist you in better understanding how lenders evaluate your credit reports. The score is for educational purposes only and does not qualify you for any loan. Lenders may use a scoring model that differs from that used by Smart Score, so your Smart Score may vary from the score produced by your lender s scoring system. A credit score is only one of many factors used by a lender in underwriting loans, and such other factors may affect a lender s credit decision. Each lender has its own underwriting criteria, and the weight given to a particular credit score by lenders may differ.

5 3 Continuous Credit Monitoring Learn of suspicious activity before your credit is ruined. Credit monitoring services are provided to notify you of certain activity in your Experian credit file(s). The information provided to you depends on: which components of your credit file are being monitored the frequency at which monitoring alerts are provided the delivery method of the monitoring alert It s important to understand that only the credit repositories themselves actually perform the monitoring function. In doing so, the monitoring process does not affect your credit score and does not show up as an inquiry on your credit report. When activity occurs on your credit file, a credit alert will go directly to you; it cannot be provided to any third party for any reason except for purposes of delivery to you. How does it work? Identity Theft Shield is a single repository monitoring product that monitors your Experian credit file through First American Credco. Any alerts that are provided to you come from activity reported to Experian in your credit file. 1. A welcome is sent to you when you provide a usable address when enrolling in the monitoring service using the form enclosed. 2. Your credit file is monitored daily. If activity occurs on your credit file, you will receive an alert of the activity. If you have provided a usable address, an alert will be sent to you. This will direct you to a secure website to view your alert data. If you do not provide a usable address, the alert will be sent through regular postal mail at the end of the month. 3. As an additional benefit, no activity notices are also provided when there has been no activity in your credit file to assure you that your credit files are being monitored closely. If you have provided a usable address and you have no activity in the past month, you will receive an notification to this effect. If no usable address is provided, a notice will be sent by regular postal mail if you have no activity quarterly. What causes an alert to be sent to me? Five main components of your credit file will cause an alert to occur in your monitoring service. These components are most commonly associated with identity theft when fraud has occurred. However, the data reported to the credit repositories that causes the alert is not by default fraudulent. 1. Change of address credit has been requested and reported using your name and SSN, but at an address that is different than the current address on file at the credit repository 2. Tradeline credit has been opened and reported in your name (credit card, auto loan, home loan, line of credit, unsecured loan, etc.) 3. Derogatory negative information has been reported to the credit repository (late payment, etc.) 4. Public record bankruptcy or lien has been reported to the credit repository 5 Inquiry a creditor or other authorized party has requested your credit information from Experian Only you are in a position to determine whether or not activity reported through the monitoring service is a result of your own credit activity. Data provided in alerts is not by default fraudulent. It may be caused by your activity, the legitimate actions of a creditor with whom you have a relationship, or simply information that has been reported inaccurately to Experian. How long will it take for new activity to show up on my credit report? Credit repositories, including Experian, cannot notify you of new activity until it is reported to them by the credit grantor generating the new activity. Some creditors report to the repositories instantly, some daily, some weekly, and some monthly or quarterly. In fact, some creditors do not report to any of the repositories. No single credit repository receives all the consumer credit data. Consequently, applying for a credit card today does not mean you ll receive an alert tomorrow. It may take days, weeks, and in some cases months before your new activity is reported to the credit repositories. In short, credit monitoring does not provide you with notification of new credit activity in your name. It provides notification of certain credit activity occurring in your credit file at Experian. Why would I want to monitor my credit? Early notification of activity you might otherwise never know of, or not know of for a long period of time, is the greatest benefit of regular monitoring. If that activity is being committed fraudulently, you are in a position to catch it much sooner and begin the difficult process of restoration. Taking proactive steps in the restoration process can assist in reducing the amount of fraudulent activity that occurs thereafter. Being notified of potentially fraudulent activity within a month is much better than after two or three years. If you suspect you ve become a victim of identity theft, call toll-free AM 7PM CT 4

6 4 Identity Restoration Let the experts do the work for you. Identity theft can be devastating, and the process of restoring your name can be overwhelming and costly. You need more than do it yourself information if it happens to you. With the Identity Theft Shield an experienced expert will take the steps to help restore your name and credit for you! Help reduce your out-of-pocket expenses and time spent away from work with valuable services from detection to resolution. Let our licensed investigators do the work for you. Our Licensed Investigators will work on your behalf to help correct identity theft issues you have with affected agencies and institutions, including: º Credit card companies º Financial institutions º All three credit repositories º Federal Trade Commission º Social Security Administration º Department of Motor Vehicles º U.S. Postal Service º Law enforcement personnel and other organizations that may be affected Fraud alert notifications will be sent on your behalf to all three credit repositories, Social Security administration, Federal Trade Commission, U.S. Postal Service and affected credit card companies and financial institutions. Proactive searches of applicable local and national databases will be made on your behalf to look for information you may not be aware of, including: º criminal activity in your name in your county s records and certain federal watch lists º Department of Motor Vehicle records in your state º unknown addresses affiliated with your name º banking activity in your name reported as fraudulent If you suspect you ve become a victim of identity theft, immediately call Restoration Service Exclusions A. Family Member. Any stolen identity event of which a spouse or child participated in, directed or had prior knowledge. B. Dishonest Acts. Any dishonest, criminal, malicious or fraudulent acts, if the member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts. C. Pre-existing Stolen Identity Event Limitations. Restoration Services will not be provided to members for a pre-existing stolen identity event if either member had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to him or her prior to enrollment in the Identity Theft Shield Program. D. Financial Loss. Membership Services do not cover any financial losses attributed to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct. E. Membership Status. Restoration Services, for both new and inprocess cases, will only be provided to members who are in an active, paid status. F. A signed limited power of attorney must be provided to Kroll when an Identity Theft Restoration case is opened in order for Kroll to work on your behalf and/or provide the Proactive Database Searches listed. G. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a/, or any other method of identifying your business activity. 5

7 You have two options with this benefit... Without additional cost, you can choose which is best for you. The Enhanced Restoration requires that you sign a limited power of attorney and forward to Kroll Background America. If you prefer not to provide this document, you are entitled to Basic Counseling Services that provide the information you need to take action yourself. See what you can receive: Phase I is the same for both options. Kroll will: Benefit Enhanced Basic Option Option Whenever a Fraud Issue warrants, Kroll will: Benefit Enhanced Basic Option Option Assist in organizing details of issues Explain fraud victim s rights Assist in identifying nature of the fraud Educate you on the process and your responsibilities Assist in gathering and completing paperwork, including police reports Send Fraud Packet to victim List of Contact #s (for immediate fraud alerts) Equifax Fraud Center Experian Fraud Center Trans Union Fraud Center Federal Trade Commission Social Security Administration United States Postal Service Medical Information Bureau Issue Fraud Alert to all three credit repositories Provide fraud victim assistance material Assist you with questions as you work through the process Phase II - RESTORATION PROCESS Within 24 hours of receiving the signed Limited Power of Attorney, Kroll will: Benefit Issue Fraud Alert to Social Security Administration (SSA) Issue Fraud Alert to Federal Trade Commission (FTC) Issue Fraud Alert to U.S. Postal Service (USPS) Enhanced Basic Option Option After receiving both signed Limited Power of Attorney and trimerged credit report, Kroll will: Benefit Enhanced Basic Option Option Issue Fraud Victim statements and work with all three national repositories (Experian, TransUnion, Equifax) to restore credit accuracy Review credit history with you and verify if fraud includes items like: Public Records Liens, judgments, bankruptcies Credit Accounts New and/or derogatory Address Prior Employment Issue Fraud Alert to and work with affected financial institutions and credit card companies Determine if creditors extended credit due to misuse of your identifying information (non credit reporting related issues) Confirm creditor contact information Contact creditors and collection agencies to freeze all open accounts Notify and work with the collection agencies of those creditors Turn over any current accounts to fraud, requesting affidavits of documentation forwarded to you Search Criminal Data in your county of residence to look for criminal activity being committed in your name Search US Criminal Records Indicator to search a wide variety of national criminal databases Search Department of Motor Vehicles records in your state Perform a Social Security trace to look for additional addresses that may be attached to your name Perform a Social Security Death Index search to verify if you have been submitted to Social Security Administration as dead for insurance fraud or other reasons Perform a check clearinghouse search to determine if you have been submitted as having been involved in fraudulent banking activities Notify and work with Department of Motor Vehicles Notify and work with law enforcement personnel Use licensed attorneys where appropriate to perform these duties Offer additional assistance our Fraud Solutions Group could reasonably provide based on your issues Provide a list of attorneys who may be able to help you with legal issues. Any subsequent relationship is exclusively between you and the attorney. Case Closing Process: Benefit Enhanced Basic Option Option Provide a trimerged credit bureau report follow up 120 days after resolution of your identity theft issues Update member Continue restoration until complete Responsibility for Kroll Fraud Solutions Group will cease when Kroll receives verification from you that the issue is resolved. General Plan Provisions You will receive a 30-day notice in the event your plan is modified in any way. You may cancel your plan at any time by sending written notice to: Customer Care, Pre-Paid Legal Services, Inc. One Pre-Paid Way Ada, OK Should you choose to cancel your membership, you will be entitled to the unused portion of your membership fees, calculated on a pro-rata basis over the period of the membership. 6

8 For Safety s Sake Monitor Other Personal Information from Time to Time Personal information about you and your family is available from a number of sources. It is in your best interest to monitor this information periodically to make sure it is accurate. Social Security The Social Security Administration (SSA) mails an annual statement to workers age 25 and over. You ll receive yours approximately three months before your birthday. Be sure to review it carefully to make sure all your earnings have been reported. Inaccurate reporting now could affect the amount of the benefit you collect later. You don t have to wait until the SSA contacts you to view your Social Security Statement. You may request a copy at any time at no charge. There are three ways to do it: 1. Visit the SSA website at 2. Call Download form SSA7004SM and mail it to: Social Security Administration Wilkes Barre Data Operations Center PO Box 7004, Wilkes Barre, PA You ll receive your statement within 2-4 weeks if you make your request online. By mail, within 4-6 weeks. If you make your request prior to your annual scheduled delivery, you will not receive an additional statement until the following year. Driver s Record Mistakes on your official driver s record could lead to higher insurance rates. Your insurance company regularly reviews the information in this file and uses it to set your rates. Review your file periodically to make sure there are no discrepancies in the number and type of violations and points listed. You may receive a copy of your driver s record by contacting your local Department of Motor Vehicles. Costs range, on average, from $1 to $10, depending on your particular state. Medical Information The national Medical Information Bureau gives insurance companies access to the medical files of approximately 15 million Americans. This information is accessed when you apply for life, health or disability insurance. Inaccuracies in your medical file can affect the price you pay for insurance, as well as your ability to get the coverage you need. A copy of your medical information is available for $9. To request your copy: 1. Call Visit and print a Request for Disclosure Form 3. Complete and mail to: MIB, Inc. PO Box 105, Essex Station Boston, MA If you suspect you ve become a victim of identity theft, call toll-free AM 7PM CT 7

9 8 Simple Steps You Can Take To Reduce Your Exposure to Identity Theft There s no foolproof way to avoid having your identity stolen, but there are a number of precautions you can take to minimize your odds of being a victim. Here are a few of them: 1. Monitor your credit report. Many consumers don t even realize their identity has been stolen until they are denied credit due to information provided on their credit reports. 2. Don t give out personal information indiscriminately. Before you give any personal information by mail, internet or telephone, confirm you are dealing with a legitimate organization. 3. Be careful with your mail. Don t use an unsecured mailbox when mailing anything that contains financial information. Mail sensitive materials from a post office collection box or your local post office. Remove mail from your own mailbox promptly. And, if you re planning to be away from home, be sure to put a hold on your mail until you return. 6. Pay attention to billing cycles. If your bills don t arrive on time, follow up with creditors. A missing statement could mean an identity thief has taken over your account and changed your billing address. 7. Exercise caution online. Before making any purchase via your computer, look for the icon of a lock in the lower right-hand corner of your browser window. If it s there, you re dealing with a secure site. If not, you ll be safer finding another merchant. 8. Remove personal information from old computers. If you delete sensitive files by using your keyboard or mouse, the files may remain on your computer s hard drive where they can be easily retrieved. To make sure your files are unrecoverable, use a wipe utility program to overwrite the entire hard drive. 4. Guard your trash. Identity thieves have been known to gather personal information from trash. Before throwing them away, be sure to tear or shred your charge receipts, copies of credit applications, insurance forms, bank statements, and the credit card offers you get in the mail. 5. Only give your Social Security Number when absolutely necessary. There are legitimate reasons you will be asked for your Social Security Number. Your employer and financial institution may need it for wage and tax reporting, and it s usually necessary whenever a credit check is required. Before giving out your number, be sure to ask why it s needed and how it will be used. 8

10 Know Your Rights A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your file disclosure ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: a person has taken adverse action against you because of information in your credit report; you are the victim of identify theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days. In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See for additional information. You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See for an explanation of dispute procedures. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to You may limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at OPTOUT ( ). You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit 9 States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are: Type of Business: Contact: Consumer reporting agencies, creditors and others not listed below Federal Trade Commission: Consumer Response Center - FCRA, Washington, DC National banks, federal branches/agencies of foreign banks Office of the Comptroller of the Currency, Compliance Management, (word National or initials N.A. appear in or after bank s name) Mail Stop 6-6, Washington, DC Federal Reserve System member banks Federal Reserve Board, Division of Consumer & Community Affairs, (except national banks, and federal branches/agencies of foreign banks) Washington, DC Savings associations and federally chartered savings banks Office of Thrift Supervision, Consumer Complaints, (word Federal or initials F.S.B. appear in federal institution s name) Washington, DC Federal credit unions National Credit Union Administration, (words Federal Credit Union appear in institution s name) 1775 Duke Street, Alexandria, VA State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation, Consumer Response Center, 2345 Grand Avenue, Suite 100, Kansas City, Missouri Air, surface, or rail common carriers regulated by former Civil Aeronautics Board Department of Transportation, Office of Financial Management, or Interstate Commerce Commission Washington, DC Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture, Office of Deputy Administrator - GIPSA, Washington, DC

11 Privacy Policy General Kroll Background America, Inc. ( KBA ) respects your concerns regarding maintaining the privacy of your personal data that is submitted to us. This Privacy Policy covers all the information practices of KBA and describes the principles KBA will follow with regard to all information submitted to KBA in connection with the services we provide. These principles will be implemented by all KBA personnel regardless of their location. All data shall be collected, stored and used in compliance with the Fair Credit Reporting Act ( FCRA ) and other state and federal applicable law. This Privacy Policy applies only to KBA and does not apply to data collected by Kroll, Inc., or by any of the subsidiaries of Kroll, Inc. other than KBA. KBA Is Committed to Protecting your Personal Information KBA acknowledges both the duty of trust and care in maintaining the privacy of your personal information which we collect and store and our legal obligations as a consumer reporting agency. Application Information Information From Outside Sources Consumer Report Information Use and Transfer of Information KBA is provided with personal information in connection with preparing a report for you. In connection with our providing these services, KBA may, in some instances, employ other companies and individuals, as our subcontractors, to perform functions on our behalf. All such contractors are contractually obligated to use and maintain the confidentiality of personal information in a manner consistent with this Privacy Policy. These companies may not share any such information with any third party. Except as described in this Privacy Policy, we will not use or otherwise disclose any of the personal data that you provide or that we collect from third parties or other sources. Confidentiality KBA will use our best efforts to insure that no unauthorized parties have access to any of your information. We will never sell or provide your personal data to a third party, except as stated in this Privacy Policy, without your express consent. We may, however, disclose personal data in response to a court order or other legal obligation. Accuracy KBA makes every effort to ensure that the data we receive, collect, and store about you is as accurate as possible. However, KBA does not vouch for, and is not responsible for, incomplete, inaccurate or not current data about you that may be supplied to KBA by a third party source. Access You have the right to access any reports KBA produces and maintains about you. You may contact KBA at any time to determine whether we hold any personal information about you and to obtain access to that information. We will only afford you access to your data upon proof of identification that you are the individual who is entitled to request access. We will mail a copy of such information within 7 days as mandated by the FCRA. Security Protecting your confidential information is our business; therefore, KBA takes all appropriate measures to assure the security of your personal data. KBA uses advanced encryption technology 128bit Secure Socket Layer (SSL) to keep personal information and data secure from unauthorized access. All data is stored on our servers in a secure, encrypted manner. Access to those servers is strictly limited to network administrators and other authorized personnel of KBA, who have been trained to protect against loss, misuse, unauthorized access, disclosure, alteration or destruction of personal data under KBA s control. We take pride in our technology and our security policies. KBA is a member of the Better Business Bureau and the Better Business Bureau Online Privacy Seal Program. The Better Business Bureau is available for resolving disputes between you and KBA. To file a complaint with respect to the privacy practices of KBA, you may visit the Better Business Bureau web site at 10

12 If you suspect you ve become a victim of identity theft, call toll-free AM 7PM CT Copyright 2004, Pre-Paid Legal Services, Inc. KRO

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