Provide Your Account Holders With Identity Protection and Earn Revenue for Your Financial Institution

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1 SECURITY SOLUTIONS Provide Your Account Holders With Identity Protection and Earn Revenue for Your Financial Institution A comprehensive consumer identity protection solution delivered through an alliance with Intersections Inc.

2 My identity is unique. And I plan to keep it that way. Identity Theft in the United States Identity theft remains a significant crime in America. Your account holders need protection and they trust your financial institution. Research shows that consumers are not only more likely to turn to a financial institution as their trusted adviser for security-related products and services, 1 they are more willing to pay separate fees for identity protection products than for other ancillary services. 2 Top Five Reasons to Offer Harland Clarke s Identity Protection Solution to Your Account Holders* 1 Generate additional income. 2 Help protect your account holders against identity theft. 3 Offer a broad portfolio of identity protection solutions. 4 Strengthen your account holder relationships. 5 Provide a top-rated identity protection solution. 1 Scantron Corp. survey of 1,000 financial institutions, September Informa/Novantas study, August 2009 *Harland Clarke s identity protection solution is provided by Intersections Inc. 2

3 Be the One They Turn To Harland Clarke has helped financial institutions make smart decisions for more than 100 years _ and we now offer a consumer identity protection solution to help your account holders have peace of mind. Our solution helps you boost account holder confidence, build lasting relationships, increase retention, reduce costs, and generate additional revenue. While no one can completely prevent identity theft, you can provide your account holders with protection and offer them peace of mind with the right identity protection solutions. And if they do become victims, help is just a phone call away. Your account holders will receive support and recovery assistance from the highly trained ITAC Victim Assistance specialists. (Learn more about ITAC on Page 5.) ITAC Victim Assistance _ Help when your account holders need it Virtually every aspect of recovering from identity theft is in the hands of highly trained specialists who are 100 percent committed to easing a stressful situation and making identity recovery as easy as possible. Knowing what to do and whom to call in the event of identity theft can be overwhelming, but the ITAC Victim Assistance specialists know exactly what to do; they ve helped tens of thousands of individuals regain their financial identities. That s why Harland Clarke has formed an alliance with Intersections Inc., a leading provider of identity theft solutions, so you can provide this exclusive benefit to your account holders. The Solution By providing your account holders with an identity protection service as an embedded benefit, you can increase account holder loyalty and retention. We offer the product, the marketing and the customer service _ and you can earn a commission when an account holder upgrades his or her protection and enrolls in the Consumer Subscription Service. Our identity protection solution offers: Credit Protection: Three-bureau credit report and scores, daily credit monitoring, alerts when certain inquiries and changes are made to an account holder s credit file, and lost or stolen card assistance. Fraud Protection: Internet surveillance with alerts when an account holder s credit or debit card numbers, bank account numbers, or Social Security number are found in unsecure locations on the internet. Service and Tools: ITAC Victim Assistance, identity theft insurance, and unlimited access to Credit Education Specialists.* The Harland Clarke consumer identity protection solution has two components: 1 Identity Protection Plan: Identity protection and recovery assistance services that are integrated into a checking program or financial account as value-added benefits. 2 Consumer Subscription Service: Expanded identity protection services that are available to all of your account holders through an easy, monthly subscription. *Insurance underwritten by Travelers Casualty and Surety Company for America and its property casualty affiliates, Hartford, CT Coverage for all claims or losses depends on actual policy provisions. Coverage not available for residents of certain states depending on underwriting qualifications and regulations. 3

4 1 Identity Protection Plans Identity Protection Plans are embedded in a financial account as a value-added feature, which strengthens account holder retention and satisfaction. An upgrade is available at time of activation to our enhanced Consumer Subscription Service. Help your account holders have peace of mind with identity protection. Our Identity Protection Plan helps account holders keep their personal data safe and secure We have designed our Identity Protection Plan to proactively protect account holders by detecting activity that could be an indication of identity theft. Our Identity Protection Plan is available in three levels _ Premium, Enhanced and Basic _ each offering different degrees of protection. All three solutions include the ITAC Victim Assistance service. Your account holders simply call or go online to activate their protection plan. Simply choose the plan level that works best for you and your account holders. Identity Protection Plan Features Features Premium Enhanced Basic ITAC Victim Assistance Internet Surveillance and Alerts 24/7 Lost or Stolen Card Assistance Give your customers peace of mind with identity theft protection. Credit Monitoring and Alerts Three-Bureau One-Bureau Online Member Area With Access to Alerts, Consumer Education Tools and Subscription Upgrade Credit Education Specialists Identity Theft Insurance* (with no deductible) Up to $10,000 Up to $10,000 Up to $10,000 *Insurance underwritten by Travelers Casualty and Surety Company for America and its property casualty affiliates, Hartford, CT Coverage for all claims or losses depends on actual policy provisions. Coverage not available for residents of certain states depending on underwriting qualifications and regulations. 4

5 Get to Know ITAC ITAC, the Identity Theft Assistance Center ( is a nonprofit coalition of financial services companies united in its commitment to protect its customers from identity theft. As the leading provider of identity assistance services, ITAC protects all consumers through partnerships with law enforcement, education and identity management services. Acquire new account holders and maximize retention Harland Clarke will provide all the marketing tools necessary to maximize your sales opportunities. We will supply detailed feature descriptions, terms and conditions, and a privacy policy for each Identity Protection Plan. Harland Clarke will also provide content that you can present to your account holders following your standard communication processes. Marketing tools to inform account holders of their Identity Protection Plan: In-branch fliers for use during new account opening, near the teller window, or as statement inserts Channels associated with Harland Clarke check ordering will also be included: CheckSmart Messaging _ promotional messages inserted in the checkbox Contact center scripts for promotion of the services Promotion via online check order confirmation pages 5

6 Consumer Subscription Services Account holders may upgrade from our Identity Protection Plan or enroll independently in a subscription service. 2 Your financial institution will earn additional non-interest income through a revenue share. We make it easy to earn additional revenue with ready-to-implement solutions. Our Consumer Subscription Service offers two levels of protection, providing a solution for everyone s needs and budget Our Consumer Subscription Service provides access to credit reports and scores, enabling account holders to better understand and manage their credit, know what is on their credit report and be able to identify and resolve discrepancies. When account holders enroll online, they have access to a host of financial calculators, including Credit Analyzer _ a what if calculator that enables account holders to create personalized financial scenarios using their credit information to see how decisions may impact their credit. Consumer Subscription Service Features Features ITAC Victim Assistance Public Record Report Public Record Monitoring and Alerts Quarterly Public Record Report ID Risk Assessment ITAC Sentinel Premium ITAC Sentinel Plus ITAC Sentinel Premium ITAC Sentinel Premium offers identity protection designed to detect changes that could be signs of identity theft and fraud at its earliest stages by monitoring credit files and public records and sending prompt alerts. ID Risk Daily Monitoring and Alerts Internet Surveillance and Alerts 24/7 Lost or Stolen Card Assistance Credit Monitoring and Alerts Three-Bureau Three-Bureau ITAC Sentinel Plus Offers enhanced identity protection that provides additional layers of security with daily credit monitoring and prompt alerts. Credit Report and Scores Three-Bureau Three-Bureau Quarterly Credit and Score Updates Three-Bureau Three-Bureau Credit Analyzer Credit Education Specialists Identity Theft Insurance* (with no deductible) Up to $20,000 Up to $20,000 Monthly Price Charged to Consumer $17.99 $12.99 *Insurance underwritten by Travelers Casualty and Surety Company for America and its property casualty affiliates, Hartford, CT Coverage for all claims or losses depends on actual policy provisions. Coverage not available for residents of certain states depending on underwriting qualifications and regulations. 6

7 Ongoing, multi-channel marketing drives penetration and revenue To support the promotion of consumer subscription services, we have created special marketing tools designed to communicate account holder value and maximize sales opportunities. These tools are available through various marketing packages, enabling your financial institution to determine the level of marketing support desired for your identity protection solutions. Marketing materials are ready for you to use: Consumer Subscription Service brochures Promotion after inbound phone check reorders Posters and tent cards Inbound call center support Statement messaging New account sales guide and tools Website content Check ordering website ads and links New account and statement inserts Banner ads CheckSmart Messaging _ promotional messages inserted in the checkbox marketing Direct mail campaigns My identity is and i want to keep it financi al institu tion lo go here My iden tit y is and i w ant to keep it it y ident credit e futur let itac sentinel protect your identity, your credit, your future PROMO CODE: XXXXX identity credit future let itac sentinel entity, protec your cr edit, yo t ur futu your id re. 7

8 Harland Clarke is committed to delivering consumer identity protection solutions that align with your business goals. The Harland Clarke consumer identity protection solution is delivered through an alliance with Intersections Inc., the leader in identity protection. Complimentary Assessment: To learn what specific actions you should take to increase revenue, reduce expenses and enhance your account holder experience, contact your Harland Clarke account executive for a complimentary assessment. The complimentary needs assessment will address: Identity protection goals for your institution Redesign of account plans Promotion of consumer subscriptions Timelines for deployment To learn more about this solution: Contact your Harland Clarke account executive today or visit and click Contact your account executive. Payment Solutions Marketing Services Security Solutions Harland Clarke provides high-performing payment, marketing and security solutions to help our clients achieve success. Each of these business units is represented by a nature element to communicate strength, reliability and growth. Our solid advice, proven products and services, and more than 100 years of experience have earned us the privilege of being our clients trusted adviser. Identity protection benefits are provided by Intersections Inc Intersections Inc. All rights reserved. Intersections and ID Risk Assessment are trademarks or federally registered trademarks of Intersections Inc. ITAC, ITAC Victim Assistance, Identity Theft Assistance Center, and ITAC Sentinel are federally registered trademarks of the Identity Theft Assistance Corporation and are used with permission Harland Clarke Corp. All rights reserved. SAMM