Identity protection for you and your family.

Identity theft affects millions of Americans each year. LegalShield offers two high quality identity theft plans to help protect and restore your identity. LegalShield Identity Theft Plan provides standard identity monitoring and the Identity Theft Premium Plan has more comprehensive monitoring. Best of all, both services provide Comprehensive Identity Restoration from Kroll Advisory Solutions. So in the unfortunate event something does happen to your identity, you’ll have professional help in getting your identity restored to what it was before the fraud occurred. To ensure you have the best coverage possible, the LegalShield plans include you, your spouse and up to 8 dependent children under the age of 18.

 For as little as $14.95 a month you can have the peace of mind that you, your spouse and up to 8 dependents are protected from identity theft.

Some services provided:

• Member and spouse covered
• Credit Report with Score and Analysis
• Comprehensive Restoration Service by Kroll Advisory Solutions*
• Unlimited Identity Theft Consultation
• Safeguard for MinorsSM
• Single Bureau Credit Monitoring and Activity Alert
• Triple Bureau Credit Monitoring and Activity Alert
• Web Watcher
• Public Persona
• Lost Wallet Assistance**
• Social Security Number Skip-Trace**
• Sex Offender Search**

THE VALUE OF KROLL CONSULTATION

Identity Theft Shield members don’t have to be a victim of identity theft to benefit from
consultation from one of Kroll’s Fraud Investigators or Certified Fraud Restoration Specialists – any
active member with a concern about his or her identity has access to consultation and assistance.

When providing consultation regarding a member’s particular concern about a possible identity
theft issue, Kroll Investigators go beyond the immediate situation to learn if there are other areas
of potential exposure or damage that need to be addressed as well. For example: Consultation on
a simple purse or wallet theft often provides more than members expect. They anticipate help
with contacting their banks/credit card issuers, and perhaps placement of a fraud alert, but Kroll
Investigators go further by giving insight into what other steps to take regarding the items stolen
and how to be watchful for particular signs of possible identity theft.

When Identity Theft Shield members call due to an event or indicator that their identity has been
compromised, Kroll’s Investigator thoroughly reviews the situation with them. This review will
determine the appropriate next steps to take—review of a skip-trace database, call to a creditor,
placement of a fraud alert, etc. If a credit monitoring alert or a credit report review indicates an
inquiry not initiated by the consumer, for example,the Investigator will help the member check
with the creditor that reported the inquiry to determine if someone used the member’s personal
identifiers to apply for credit. If so, steps are taken to undo the damage through Kroll’s enhanced
restoration services.

Here are some of the ways the Kroll can assist and provide guidance to members:

• Consult on best practices for the use of a member’s Social Security/Social Insurance number
and other Personal Identifying Information (PII)
• Discuss best practices for financial transactions
• Consult on best practices for consumer privacy
• Discuss tactics and best practices while shopping and communicating online
• Provide best practices knowledge for preventing ID Theft
• Review consumer rights under federal and state law in the US or provincial law in Canada
• Discuss tactics on how to best safeguard a minor child’s identity
• Discuss best practices to effectively shield a recently deceased friend or family member
from identity theft
• Assist members in the event of a stolen/lost wallet
• Consult in the event the member receives a data breach notification letter indicating his or
her information has been compromised
• Consult in the event the member receives abusive or harassing debt collection communication
as a result of a stolen identity
• Help with interpreting and analyzing the member’s credit report