IDENTITY THEFT

Industry Response

The Best Answer

What Is Identity Theft?

Identity Theft

We lock our houses, cars, bikes, offices, and mail boxes, but we don’t lock one of the most

important possessions we have –

our identity.

Drivers License Identity

Theft

MedicalIdentity

Theft

Financial Identity

Theft

Identity Theft is not just about Credit Cards!

ID Theft is an international crime and access to an attorney may be critical

Social Security Identity

Theft

Character / Criminal

Identity Theft

Five Common Types of Identity Theft

What is Identity Theft?

WHAT IS IDENTITY THEFT?

Why You At Risk? Utility Companies Insurance Companies Credit Card Records Medical Records Real Estate Records Motor Vehicle Records School Records Military Records Social Security Records Banking Records Employment Records Postal Records Purchasing Records Tax Records Leasing Records Licensing Records Your Data is Out There

What is Identity Theft?

Your Name1000’s of

aggregators

Your Fingerprints and DNA

FBI, State, and Local DBS

Your Insurance Claims

C.L.U.E. DBS, etc...

Your Military Record

DOD DBSYour Criminal History

NCIC DBSYour Real Estate DeedsClerks of Court DBS

Your Legal HistoryState and Federal

Court DBSYour Credit History

Credit Repositories’ DBS

Your Birth CertificateChoice Point DBS,

State, etc …Your Phone Number and

Tracking Info 1000’s of aggregators

Your Social Security Number

SSA DBSYour Address

1000’s of DBS

The Data Based You™

Your Driver’s License # and Record – DMV DBS

Your Medical Records

MIB DBS, etc …

Your Car Registration & InfoDMV, Local Treasurer, On Star, etc

… DBS

What are the implications of Identity Theft?

♦ Debt collectors calling

♦ Bank and credit card problems

♦ Forced to pay higher interest rates

♦ Denied jobs

♦ Denied insurances

♦ Denied phone and utility services

♦ Criminal warrants

… and the list keeps growing …

NOTE: Around 30% of Identity Theft is financial and your banks are watching your accounts, but around 70% is criminal!

April 18, 2006 / ABC7Chicago.com - About every 2 1/2 seconds someone's identity is stolen in America. ID theft is the number one reported consumer crime, according to the Federal Trade Commission (FTC)

What will you do when law officials come to your home or work with a warrant for YOUR arrest?

Warrants for drugs Outstanding traffic tickets, DUI Writing bad check Prostitution Tax evasion from a job income in another state And other criminal act(s) a thief is doing using your identity

The Facts

Industry Response

IDentityTheft

Industry Response

Reimbursement Policies (ID Theft Insurance)

These policies play a part, but they only help after you become aware of the theft…

♦Reimbursement policies are not proactive and some ID Theft problems cannot be corrected after the fact (such as arrest records, etc.) …

♦You must pay out of pocket first (up to 25,000 in some instances), then file a claim, and then hope for an underwriters approval for reimbursement. This process can take weeks or months and be very frustrating …

♦Your insurance agent does not do the work for you…

♦You carry the full burden of clearing your name…

Reimbursement policies do not pay for the fraudulent losses, yet many think they do…

Monitoring Services

Industry Response

Monitoring credit activity is the single best method to detect identity theft, but…

♦Monitoring helps primarily with Financial Identity Theft

♦Monitoring services often cover only the accounts you have with the company offering the service

♦Monitoring services do just that, Monitor. They notify you that the nightmare is beginning but do nothing to help you. The real headache associated with Identity Theft is the cost of the 600 Hours* it takes you to restore your identity.

* USA Today, January 2005

Resolution Services

Industry Response

Resolution Services provide phone consultation for you, which is vital, but it is not enough…

♦ These services only provide guidance, leaving you to clear your good name

♦ It takes you an average of 600 hours ofwork to clear your name, if you ever do…

Professionals steal identities. Doesn’t it just make sense to have professionals restore those identities?

Restoration Services

Industry Response

Restoration Services provide tremendous relief to you

♦ Restoration means that experienced professionals — not you — do the work to clear your name

♦ These services can save hundreds, possibly thousands of hours of work…

Restoration Services provide incredible support, but they do not include monitoring services or legal help, particularly 24-hour legal access in the event you are being arrested …

The Facts

The Best Answer

IDentityTheft

Pre-Paid Legal Services®, Inc. and Kroll Background

America provide The Best Answer:

Harland C. StonecipherCEO and Founder,Pre-Paid Legal Services, Inc.

SHIELD

IDentity TheftTM

with the Pre-Paid Legal Plan

The Best Answer

The Best Answer

DriversLicense Identity Theft

Medical Identity Theft

Financial Identity Theft

Social Security Identity Theft

Character/ Criminal

Identity Theft

Is Credit Monitoring Alone the Solution?

Credit Report & Continuous Monitoring

You will receive an up-to-date credit report through Experian at no additional charge with your membership.

Your credit files will be regularly monitored. Suspicious activity will be brought to your attention, providing you with early detection.

You’ll receive prompt notice if any new accounts are opened in your name... or if derogatory notations are added to your credit report.

Restoration Services

If your identity is stolen, you need more than just information about how to restore your name and credit ratingAs an Identity Theft ShieldSM member you can rest easy knowing experienced professionals are working for you

Fraud alert notifications will be sent on your behalf and applicable follow up will be done with affected agencies and institutions

Proactive searches of applicable local and national databases will be made on your behalf to look for information you may not have known about

Identity Restoration will not apply if the identity theft is the result of a dishonest, criminal, malicious, or fraudulent act you, your spouse, or your child participated in, directed, or had knowledge of. Restoration services will not be provided for a known stolen identity event that occurred prior to enrollment date. You must be an active member to receive restoration services. Services provided do not cover financial losses arising from the identity theft. 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. 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.

The Complete Wall of Security

The Best Answer

Life Events Legal Plan

YOU

MonitoringServices

Restoration Services

Pre-Paid Legal Services®, Inc.and subsidiaries

Thank Thank You!You!

Pre-Paid Legal Services, Inc.