Identity Theft training in Atlanta in June of 2007.

1. The Scary New Face of Identity Theft! The Scary New Face of Identity Theft! you and what can do! you and what can do!

2. Credentials and Certifications Presented by Jeffrey Omtvedt CITRMS Certified Identity Theft Risk Management Specialist By the

5. Identity Theft is not just about Credit Cards! ID Theft is an international crime and access to an attorney may be critical Five Common Types of Identity Theft What is Identity Theft? Drivers License Identity Theft Medical Identity Theft Financial Identity Theft Social Security Identity Theft Character / Criminal Identity Theft

7. What is Identity Theft? “the Department has discovered that identification information in your file is inconsistent with corresponding records at the Federal Social Security Administration … Before your document can be renewed, any inconsistencies will need to be corrected. You will need to present legal documents that certify your current legal name, social security number and date of birth.”

8. What is Identity Theft? February 2004 “ An 82-year-old grandmother, quit driving during the Truman administration.” In 2001 she “suddenly found herself in what she describes as a ‘living hell’ after one of her neighbors, arrested on drunk-driving charges … pretended to be her. ‘I was told there were warrants for my arrest … I was afraid to answer the phone’.”

10. What is Identity Theft? Jan. 29, 2005 A Chicago woman “applied for a job at a local Target department store and was denied. The reason? She already worked there – or rather, her Social Security number already worked there. Follow-up investigation revealed the same Social Security Number … used to obtain work at 37 other employers.” The Secret List of ID Theft Victims “ People need to wake up to this problem. They are destroying people’s credit, Social Security benefits, and everything else.”

12. What is Identity Theft?

13. “If the person who steals your health identity has allergies or specific medical conditions that collide with yours for instance … when you go in for care, you may experience a dangerous drug interaction or unknowingly be denied potentially lifesaving medications or treatments because they will assume the thief’s medical information is yours.*” What is Identity Theft? Sept. 2005 *Carole Pennington 9/7/2005 “As the health care system transitions from paper-based to electronic, this crime may become easier to commit and harder to trace. Victims may find it more difficult to recover from medical identity theft as medical errors are disseminated and redisseminated through computer networks and other medical information-sharing pathways.*” May 2006 *Pam Dixon, Pg 3.,5/3/2006 Medical Identity Theft: The information crime that can kill you

15. * Cover, Kiplinger, October, 2005 What is Identity Theft? The October 2005 issue of Kiplinger’s Personal Finance portrayed a different side of Identity Theft when they devoted an entire section to character/criminal identity theft. “ Identity Theft Update: Could losing your wallet land you in jail?*” October 2005

16. What is Identity Theft?

18. Order the Federal Trade Commission free report Take Charge: Fighting Back Against Identity Theft Phone: 877.IDTHEFT Web: http://www.consumer.gov/idtheft When you read this, it will become crystal clear why it is good for the company and the employee to have an ID Theft service that offers Legal Access, Monitoring, and Restoration versus resolution or reimbursement. What is Identity Theft?

21. “ Each year, 7 to 10 million Americans fall prey to Identity Theft… From massive data-brokerage firms to tiny local banks, your identity is irretrievably ‘ out there. ’ ” What is Identity Theft? A recent Gartner survey showed 15.5 million victims from mid 2005 – 2006. That is 4.9 people every 10 seconds.

22. What is Identity Theft? The DataBased You Meet The DataBased You ™ ™

23. What is Identity Theft? Your Name 1000’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 DBS Your Criminal History NCIC DBS Your Real Estate Deeds Clerks of Court DBS Your Legal History State and Federal Court DBS Your Credit History Credit Repositories’ DBS Your Birth Certificate Choice Point DBS, State, etc … Your Phone Number and Tracking Info 1000’s of aggregators Your Social Security Number SSA DBS Your Address 1000’s of DBS The DataBased You ™ Your Driver’s License # and Record – DMV DBS Your Medical Records MIB DBS, etc … Your Car Registration & Info DMV, Local Treasurer, On Star, etc … DBS

24. What is Identity Theft? The DataBased You ™

25. Whether it was hacking, lost computers or lost data tapes, there were 155,048,651* records lost due to computer data breeches from major companies. Between Feb. 15 th 2005 and June 7 th , 2007: The DataBased You ™ ™ What is Identity Theft? privacyrights.org

27. What is Identity Theft? October 2005 “ Identity thieves are increasingly finding their jackpot is not in your mailbox or kitchen trash bag, but the computer files stored at your chiropractor, accountant or doctor … the future is not burglaries of your home, but of dentists, CPA’s, insurers etc …*” ID Fraudsters Stay One Step Ahead * MarketWatch, October 2cd, 2005

30. “ People whose identities have been stolen can spend months or years and thousands of dollars cleaning up the mess the thieves have made of their good name and credit record” “ When Bad Things Happen to Your Good Name ” — September 2002 The Cost to Victims FEDERAL TRADE COMMISSION

41. ABA Journal March 2006 Industry Response

42. - “Stolen Lives”, ABA Journal, March 2006 Industry Response

43. According to Betsy Broder of the FTC, “ We will act against businesses that fail to protect their data … She understands that most small businesses cannot be expected to hire a full time privacy specialists but adds that all businesses must be able to show they have a security plan in place. “We’re not looking for a perfect system .. But we need to see that you’ve taken reasonable steps to protect your customers’ information ”. - “Stolen Lives”, ABA Journal, March 2006 Industry Response

44. Pre-Paid Legal Services ® , Inc. and Kroll Background America provide The Best Answer: Harland C. Stonecipher CEO and Founder, Pre-Paid Legal Services, Inc. The Best Answer SHIELD ID entity T heft TM with the Pre-Paid Legal Plan

45. Monitoring Services Life Events Legal Plan Restoration Services You The Best Answer … The Best Answer

47. Three Areas of Coverage Credit Report and Continuous Monitoring Access to Counsel Life Event Legal Plan The Best Answer Restoration Services

50. The Best Answer Five Areas of Coverage – Life Events Legal Plan Preventive Legal Services Motor Vehicle Legal Services Trial Defense Services Federal Tax Audit Legal Service Other Legal Services 25%

51. The Legal Shield service will not apply if the member is alleged to be under the influence of or impaired by alcohol, intoxicants, controlled substances, chemicals or medicines, whether prescribed or not; the member is alleged to be involved with domestic violence or stalking; and/or the member is being detained for outstanding warrants. Check benefit availability in your state. Legal Shield The Legal Shield gives you and your family 24-hour access to legal consultation if you are detained, for only $1 a month - as an additional benefit to your Family Plan membership. To contact your Provider Law Firm, simply call the toll-free number on your Legal Shield card. You will reach the Pre-Paid Legal offices, who will then put you in contact with your Provider Law Firm, so you can consult with an attorney about your detainment. It’s that easy. The Best Answer

52. Pre-Paid Legal Services ® , Inc. is the only company with a suite of products that provides help in every area of Identity Theft – before, during, and after the crime occurs… The Best Answer

53. Who Is Covered By The Plans? 1) The Member 2) The Member’s Spouse 3) Never Married Dependent Children Under 21 Living At Home 4) Dependent Children Under Age 18 For Whom The Member Is Legal Guardian 5) Full Time College Students Up To Age 23 Never Married, Dependent Children 6) Physically Or Mentally Challenged Child Living At Home The Best Answer

54. With the Life Events Legal Plan and Identity Theft Shield SM you will receive all these benefits for just . . . . That's less than the price of a cup of coffee a day! $ 0.88 per day or less $26.95 per month or less One time $10 enrollment fee Month-to-Month Commitment The Best Answer

55. With the Life Events Legal Plan and Identity Theft Shield SM you will receive all these benefits for just . . . . That's less than the price of a cup of coffee a day! $ 1.18 per day or less $35.95 per month or less One time $10 enrollment fee Month-to-Month Commitment The Best Answer

56. Why Do we have the, second to none, most comprehensive approach to Identity Theft in the Marketplace? Most products only deal with one fifth of the problem, the financial side, while our product is helpful in every area of Identity Theft. Marketing Our Services

64. The Scary New Face of Identity Theft! The Scary New Face of Identity Theft! you and what can do! you and what can do!