IDENTITY THEFT SOLUTIONS

IDENTITY THEFT SOLUTIONS

Introduction About UNFCU Financial Advisors About AON Benfield Identity Theft Partners Product and Services Strategies Solutions -Employee -Member 1. Embed 2. Affiliate -SafeBiz Value Proposition Questions Agenda Confidential & Proprietary 2

Introduction United Nations Federal Credit Union Financial Advisors and Aon Benfield have partnered in an effort to provide a greater multi-dimensional security platform for our clients through IDmeLive, an Aon branded, private-label program. In the event of an identity breach or individual identity theft, restoring a victim to pre-victim status, with a fully-managed recovery provider, will save your clients hundreds of hours of their own time, productivity and money. Confidential & Proprietary 3

About UNFCU Financial Advisors UNFCU Financial Advisors is a wholly owned subsidiary of the United Nations Federal Credit Union - a financial organization serving the United Nations community since 1947 with a tradition of trust, integrity and unparalleled service. This tradition and commitment is now extended through UNFCU Financial Advisors to your credit union and members. Confidential & Proprietary 4

About Aon Global impact World Headquarters in Chicago, Illinois Leading global provide of risk management services, insurance and reinsurance brokerage, human resource consulting and outsourcing 60,000 + employees in 500 offices in more than 120 countries 2011 revenue - $11 Billion NYSE - Aon 58% of Fortune 500 92 of Fortune 100 6 years, 4M and 52 countries Strategic Partnership Solutions Confidential & Proprietary 5

Identity Theft Market Identity theft is rising and broad-reaching Costs consumers more than $48 billion annually Affected 8 million adults were hit by Identity Theft in 2011 The top consumer complaint received by the FTC 10 years in a row It s incredibly disruptive to victims 165 hours to repair the damage (ITRC) $500 mean cost per victim (Javelin, 2011) Identity theft is the fastest growing crime in America (FBI) 41% of victims are a victim again 2 years later Given the percentage of growth, the reality is that most of us will become a victim of identity theft sometime in our lives, if not multiple times. - Linda Goldman-Foley, Executive Director of the Identity Theft Resource Center Confidential & Proprietary 6

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Trusteer surveyed more than 4 million online banking customer established the following statistic Confidential & Proprietary 9

Value Proposition Retention Revenue Risk Confidential & Proprietary 10

Target Groups Employees Identity Theft products and services are provided to employees as an employer sponsored program Credit Union + Safeguarding your credit union and its business accounts in the event of a data breach Members Provide value, increase member retention/stickiness, differentiate, mitigating risk, increase communication (PFI) and generate fee income through member benefits Confidential & Proprietary 11

PREVENT DETECT RESTORE Preventative Measures Prevention tips Statistics and education Newsletter Emails Command Center Secure digital storage of sensitive PII 24/7 online access Document Replacement Cancel Replace SafeBiz Breach Incident Planning Escalation Policy Manual Breach Resolution Process Guide Public Records Monitoring Change of address Court records Registered sex offender Credit Monitoring (available) 1 or 3 Bureau Receive alerts Name & Address Monitoring Scans credit header files Scans personal residential history Internet Monitoring Scans & alerts Credit & non-credit Black Market Identity Restoration (Family & Business) Fully managed Restores to pre-theft status Card cancel & replacement 24/7 assistance Fraud Expense Reimbursement Fees associated with recovery $25,000 or $1M MD Self Restoration Guidance Forms completed 24/7 Member Support SNAPD Scans billions of data sites Scans millions of ID Elements 12

Fully Managed Recovery Process 1 Case Assignment Dedicated Recovery Advocate assigned Case established 2 Initial Contact Recovery Advocates available 24 / 7 Initial fraud assessment Crisis management skills applied 3 bureau credit report as needed Assistance with police report Set fraud alerts Explanation of rights and next steps 3 Documentation Complete Recovery Packet sent via overnight or email Limited Power of Attorney Fraud Declaration Educational materials Advocate contact information Confidential & Proprietary 13

Recovery Process 4 Remediation Establish Identity Care Account with credit monitoring and report Contact and document evidence of fraud to creditors, government agencies and others as needed Insure all traces of fraud removed from victim s credit files and other records Maintain case file and evidence for litigation and prosecution Deliver sensitive documents to victim via account upload 5 Recovery Document case status to victim Reach consensus with victim concerning recovery Provide additional credit report and documentation as needed 6 12 Month Follow up Continue credit monitoring and Identity monitoring for 12 months Continued access to Recovery Advocate Scheduled quarterly follow up by Recovery Advocate Confidential & Proprietary 14

Identity Monitoring technology is complex, but protection is simple Identity network contains largest repository of known theft Patented analytics Continual scanning for SNAPD elements Three-year rolling history of data Detects fraud up to 90 days sooner than credit monitoring Uncovers unsuccessful fraud attempts Confidential & Proprietary 15

EMPLOYEE BENEFIT PROGRAM SNAPD Identity Monitoring Fully Managed Identity Restoration $25,000 Fraud Expense Reimbursement Identity MD Solicitation Reduction 3 year look back www.infoarmor.com/aonbenfield

EMBED Bundle Identity Protection products and services into current your credit union products such as share draft accounts, credit card accounts and loans as a value-added benefit, fee income generator and differentiator Base Product: Family ID Restoration Internet Monitoring Accounts/Cards with no annual fees Accounts/Cards with annual fees Sell Add-on services <5% acceptance OR Embed or Gift Value-added services >10% activation/engagement Value-add service to drive member choice

MEMBER AFFILIATE PROGRAM (free fee) I. Your members will get the following FREE services Assisted Identity Recovery Service: a professionally trained recovery advocate will provide guidance and consulting to victims of identity theft to help them facilitate the restoration of their identity. Internet Monitoring Service: provides proactive monitoring and scanning for sensitive personal information commonly sold and traded on black market internet sites and chat rooms. The service also includes monitoring for credit and debit card numbers, bank account numbers, social security numbers, driver s license numbers, telephone numbers, email addresses, and other sensitive information. Lost Wallet Service: if a member s wallet or purse is lost or stolen, we will help identify the lost cards and documents and assist in getting them canceled and replaced Discount Upgrade Options for Members In addition to benefiting from the free services, members will be given the opportunity to upgrade to an advanced protection package for a discounted price. II. Optional FEE Advanced Services $1,000,000.00 Identity Theft Insurance Fully Managed Identity Theft Restoration Service Identity Risk Score Monitoring Public/Private Address Records Monitoring Name/Alias Monitoring ID Early Warning System Criminal Identity Theft Monitoring The Green Mailbox Postal Junk Mail Reduction Service Fraud Alert Assistance Service Credit Security Freeze Assistance Free Credit Report Reminder Service This program is in testing phase Confidential & Proprietary 18

SAFEBIZ SMALL BUSINESS Any business, practice, or professional organization that is privately held and has less than 100 full-time employees. This may be a proprietorship, partnership, practice, limited partnership, limited liability company or corporation properly organized under the laws of the state of its organization Employee Benefit -Up to 100 employees -Fully Managed Identity Restoration Business Benefit -Tax ID Number -Fraud Detection -Business Monitoring -Breach Response Plan Businesses Members-Accounts - Up to 100,000 Records on File -Fully Managed Identity Restoration -Internet Monitoring -Date Breach Fraud Research/Resolution

VALUE PROPOSITION By offering Identity Theft: Increase workplace productivity Differentiate Generate Fee Income Increase member communication Enhance the member experience Mitigate Risk Competition Increase retention ROI

Kate Kortsch l Director AonBenfield One Seaport 199 Water Street New York, NY 10038 kathryn.kortsch@aonbenfield.com 571.437.7110 Steve Ryerson I President UNFCU Financial Advisors 24-01 44 th Road Long Island City, NY 11101 Sryerson@unfcu.com 347.686.6632 Thank you Confidential & Proprietary 21