ID Theft Program Solution Overview One Call | One Solution Prepared Exclusively for By.

ID Theft Program Solution OverviewID Theft Program Solution Overview

One Call | One Solution

Prepared Prepared Exclusively forExclusively for

By

The Problem | Identity Theft The Problem | Identity Theft

On average, over 9 millionpeople become victims of identity theft annuallySource: Better Business Bureau/Javelin Research 2006 Report

Total yearly identity theft losses average over $50 billionSource: Better Business Bureau/Javelin Research

Victims spend 300 million hours each year resolving ID Theft related problems Source: US Federal Trade Commission Report

Depending on severity, resolution time range is 5 – 600 or more hours per incident; the average is 175 hours Source: US General Accounting Office

Over 85% of all identity theft victims are between 18 and 59Source: US General Accounting Office

Annually there’s a 1 in 25 chance that you’ll becomean identity theft victim - one identity is compromisedevery 4 seconds Source: Better Business Bureau/Javelin Research 2006 Report

In 2005 there were over 150 major incidents affectingmore than 57 million people in the U.SSource: Federal Trade Commission and The Identity Theft Resource Center studies

ID Theft | MethodsID Theft | Methods

Identity thieves use many methods to stealIdentity thieves use many methods to stealpersonal information, including:personal information, including:

1. Dumpster Diving. They rummage through trash looking for bills or other paper with your personal information on it.

2. Skimming. They steal credit/debit card numbers by using a special storage device when processing your card.

3. Phishing. They pretend to be financial institutions or companies & send spam or pop-up messages to get you to reveal your personal information.

4. Changing Your Address. They divert your billing statements to another location by completing a “change of address” form.

5. “Old Fashioned” Stealing. They steal wallets & purses; mail, including bank & credit card statements; pre-approved credit offers; new checks; tax information & medical records. They steal personnel records from their employer, or bribe employees who have assess to employee data.

5. Data Breach. They steal personal data from businesses or institutions by any means, sophisticated or otherwise, accidental or intentional, whereby large amounts of personal data are targeted & breached – i.e., lost/stolen laptops, Wi-fi schemes, data media/storage devices, breached or ‘hacked’ data systems intrusions, etc.

10 Largest Data Breaches

Data Processors International5MILLION AFFECTEDMarch 5, 2003

Citigroup30 MILLIONJune 6, 2005

U.S. Dept. of Veteran Affairs26.5 MILLIONMay 22, 2006

Dai Nippon Printing Company (Japan)8.6 MILLIONMarch 12, 2007

TD Ameritrade6.3 MILLIONSeptember 14, 2007

America Online30 MILLIONJune 24, 2004

Visa, MasterCard & American Express40 MILLIONJune 19, 2005

TJX Companies, Inc.94 MILLIONJanuary 17, 2007

Fidelity National Information Services8.5 MILLIONJuly 3, 2007

HM Revenue and Customs (UK)25 MILLIONNovember 20, 2007

20032003 20042004 20052005 20062006 20072007 20082008

Here are the 10 largest internationaldata breaches since 2000

Source: Flowing Data/Attrition Data Loss Archive and Database

Insurance that helps replace financial losses due to an ID Theft

Usually with deductibles Always with limitations &

exclusions

Solutions

Steps necessaryto restore a victim’s identity

Depending on severity of situation may include:

• Law enforcement• Creditor & governmental notification +

submission of forms/affidavits, cancellation/replacement of accounts, filing of criminal reports, court appearances, dispute resolution, ID replacement

• And more . . .

Caution, information & techniques to help avoid becoming a victim

Is proactive vs. reactive Can include 3rd party

services like credit monitoring, credit reports & credit freezes

Solutions | Level of ImportanceSolutions | Level of Importance

Introducing ID Theft Assist™

The Most Aggressive & Comprehensive Resolution & Prevention Product Available Today

Best Benefit To Cost Ratio Best Overall Value Most Experienced Service

Providers In The Industry The Only Plan With

Presence In > 200 Locations worldwide – Clear Choice For Anyone Who Travels Domestically Or internationally

Typical Competing Restoration Plans

Platinum Plan

Competitor Gap Analysis

Operational TeamOperational Team

24 x 7 single source intake for victim & is backbone of ID Theft Assist service

Long-term solutions to the stress, legal, and financial ramification of identity theft

worldwide benefit servicesworldwide benefit services

Enhances the speed of recovery by providing the needed credit background and protective monitoring services

Europ Assistance USAEurop Assistance USA

Operating since 1982 in theU.S & office has not closed for 1 single day

Today has:25+ million Covered Members125 Employees in DC/4,300 worldwideCoordinators are fluent in 28 languages24 x 7 x 365 D.C. Assistance Center

Provides victims with the necessary speed & timesaving capabilities in the critical early stages of identity theft discovery

Part of Europ Assistance Group: > 40years assistance business experience

IDID TheftTheftAssistAssist™™

Trans UnionTrans Union

Leading global provider of

business intelligence services:Supported by 3600 employees in 24 countries worldwide.

Provides real-time access to victim’s credit report to accelerate recovery.

Offers pre-incident credit monitoringService through subsidiary True CreditPart of Platinum Service—no extra cost Includes free credit freeze—more effective preventative

tool than fraud alert,

IDID TheftTheftAssistAssist™™

Affinity CareAffinity Care

Created to meet the unique and

increasingly complex issues facing businesses 20+ years of experience has allowed creation of

preferred vendor relationships with specialty service providers nationally and internationally.

24/7 counselor support, emotional assistance for the victim is just a phone call away.

Provides long-term credit restoration needs, such as resolving any disputes with creditors

IDID TheftTheftAssistAssist™™

IDID TheftTheftAssistAssist™™

Worldwide Benefit ServicesWorldwide Benefit ServicesNorth American Distributor for

IndividualConsumers

Employers&

Employees

Affinity Groups, Insurers & Other

Organizations

•Distribution Channels:•Brokers /Consultants•TPAs/TPMs

[ Operational Partners ]

Delivery System

Standards Of Excellence

2008 Q3 Customer Feedback Survey Results:Overall Quality of Service 96% Speed of Assistance 96%

Overall Employee Rating 96% Assistance Provided 92%

Advocates Very Helpful 85% Customer Service 98%

Follow-up 91% Recommendation to others 89%

Telephony Metric Category Standard Actual

Average Speed of Answer 15 seconds 8 seconds

Telephone Service Factor 85% 90%

Maximum Busy Signals 2% 0%

Maximum Abandoned Calls 3% 1.5%

Some of ID Theft Assist's & Its Operational Partners’ ClientsSome of ID Theft Assist's & Its Operational Partners’ Clients

IDID TheftTheftAssistAssist™™

Service Levels

All Levels of Service PlansAll Levels of Service Plans Capture all necessary information &

complete an initial needs assessment while the victim is on the phone to determine if a fraud or theft has occurred & act on it immediately.

Notify all 3 major credit-reporting agencies of the ID theft. Cancel & replace credit & charge cards Assist participant in placing a "Fraud Alert" on his/her credit

report. Provide the participant with a helpful "ID Theft Action Kit“ Translate 25+ languages whenever necessary; i.e. when

victim is overseas & needs help communicating withlocal police in order to file a report or if victim’s firstlanguage is not English.

IDID TheftTheftAssistAssist™™

Service Levels

Gold & Platinum LevelsGold & Platinum Levels Provide access to daily credit monitoring

(Post-Incident for Gold Level; Pre-Incident of Platinum Level) Provide participant with a uniform ID Theft Affidavit, answer any questions

regarding completion of the affidavit & affidavit to proper authorities, credit bureaus & creditors.

Obtain list of creditors & contact them with separate itemized fraudulent account statements for each fraudulent occurrence.

Report the fraudulent activity to Local authorities& forward report to creditors.

Notify the fraud department of participant's creditors. Report the ID theft to the Federal Trade Commission. Home-state specific paperwork & services Educate the participant on how ID Theft occurs & inform him/her of

protective measures to take to avoid further occurrences. Provide emergency cash advance when theft occurs

away from home.

IDID TheftTheftAssistAssist™™

Service Levels

Platinum Level OnlyPlatinum Level Only Review “real-time” credit history with victim

& identify fraudulent accounts & activity. Medical ID Theft Services. Perform legal document review and free initial legal consultation. Draft a victim impact letter to the judge handling the case if impostor is

apprehended and stands trial. Determine best legal action to take against creditors or

how to work with credit bureaus if creditors are not cooperative in removing fraudulent entries fromparticipant's credit report.

Give advice for ancillary problems caused by identity theft. Offer unlimited 24/7 telephone access to Master-level Consultants to help

participant alleviate stress & anxiety caused by ID Theft. Arrange access, when needed, to up to 3 in-person sessions with a

professional in our national network of BehavioralSpecialists to help participant deal with theemotional trauma of ID Theft.

IDID TheftTheftAssistAssist™™

ID Theft Assist

Call 866-MY-ID-911

or visit www.idtheftassist.com

for more information