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True Identity Protection™

www.idwatchdog.com 1.866.513.1518

PLAN EMPLOYEE +FAMILY

2 out of 3 identity fraud victims were also notifi ed data breach victims

Prominent Data BreachesTwitter

33 million

� e Home Depot 56 million

Tumblr 65 million

Sony 77 million

Anthem/Excellus Blue Cross Blue Shield/Premera Blue Cross 100 million

LinkedIn 117 million

US Voter Registration Records 154 million

Myspace 360 Million

Identity � eft ProtectionLeaders in Protection and Benefi ts

BENEFIT SUMMARY – PLATINUM

� e ID Watchdog program has been a lifesaver for me. I was the victim of some serious fraudulent activities, and this entity was instrumental in helping me solve a myriad of problems related to identity theft. Not only did they help, but the constant monitoring and communication that they provide is a nerve saver! – A. JACKSON

It’s your identity. Keep it that way.

100% RESOLUTION GUARANTEEWe will restore your identity to its original status,

regardless of time or cost.

100% Resolution Guarantee

$1M Expense Reimbursement Insurance

A new identity is stolen every 2 seconds.¹Without identity protection:

» � e average victim may spend $9,650 and 330 hours trying to resolve an identity theft case on their own.2

» 50% of victims have trouble obtaining new credit.3

» 12% of victims have arrest warrants issued in their name.4

ID Watchdog provides complete identity protection

» Proactive credit and identity protection

» Advanced identity tools

» Dedicated Resolution Advocates do all the work on your behalf; including dealing with pre-existing conditions

» $1 million expense reimbursement for identity theft-related costs

PLATINUM

Pricing


www.idwatchdog.com 1.866.513.1518 © 2016 ID WATCHDOG. ALL RIGHTS RESERVED. EBSPL AT217V1

MORE THAN 50 MILLION AMERICANS ALREADY SUBSCRIBE TO IDENTITY THEFT PROTECTION. ARE YOU PROTECTED?VISIT WWW.IDWATCHDOG.COM TO LEARN MORE.

blog.idwatchdog.com @ID_Watchdog idwatchdog1

ADVANCED TOOLSBREACH NOTIFICATIONStay on top of your data’s exposure risk through prominent data breach notifi cations.

SOCIAL NETWORK ALERTSBe aware of cyberbullying and reputation-damaging items directed at you and your family on social media.

REGISTERED SEX OFFENDER REPORTING & NOTIFICATIONSSearch for sex o� enders in your area and receive alerts when new o� enders move into your neighborhood.

NATIONAL PROVIDER IDENTIFIER (NPI) ALERTSWe alert healthcare providers when their credentials are compromised.

LOST WALLET VAULT & REPLACEMENTStore your wallet contents in our secure digital vault. We will assist with cancelling and replacing them in the event of a loss.

SOLICITATION REDUCTIONOpt in or out of the National Do Not Call Registry, pre-approved credit o� ers, or junk email.

FULLY MANAGED RESOLUTION SERVICES ID Watchdog has never failed to restore an identity. Certifi ed Identity � eft Risk Management Specialists (CITRMS) manage your case until it is completely resolved, even pre-existing conditions.

$1M Expense Reimbursement Insurance for identity theft-related out of pocket expenses.

24/7 CUSTOMER CARE CENTERHIGHLY TRAINED STAFFAll Customer Care Advocates participate in industry-leading trainings and are certifi ed in internet and social media safety and know how to deal with other online threats.

We o� er real-time language support with speakers of more than 100 languages.

CREDIT PROTECTION SERVICES CREDIT MONITORING� e Platinum plan includes tri-bureau (TransUnion, Experian, Equifax) credit report monitoring. Additionally, rapid credit alerts are sent after activity changes are detected on your TransUnion credit report.

CREDIT REPORT AND SCORES� e Platinum plan includes an annual tri-bureau credit report and scores.

CREDIT SCORE TRACKERTrack how your TransUnion score trends over time.

CREDIT FREEZE ASSISTANCEPrevent the three credit reporting agencies from releasing your report without your consent.

FRAUD ALERT ASSISTANCE &EXPIRATION REMINDERSCredit bureau fraud alerts can prevent thieves from opening new credit in your name.

CREDIT SCORE SIMULATORCompute di� erent “what-if” credit scores by changing payment timing or amounts, opening new credit, etc.

PROACTIVE IDENTITY MONITORINGADVANCED IDENTITY MONITORING� ieves may begin by changing your address to establish “your” new identity. We monitor the USPS National Change of Address (NCOA) Registry directly, enabling us to prevent theft sooner.

We also scan 37 billion public records, licenses, and certifi cations looking to detect cases of identity theft.

INTERNET BLACK MARKET SURVEILLANCEWe scour the Dark Web and hacker forums looking for your compromised credentials being traded on the internet.

NON-CREDIT LOAN MONITORINGPAYDAY LOANS SUB-PRIME MORTGAGE AND CREDIT CARD LOANS AUTO PAWN / RENT-TO-OWN MONITORING

High-interest, easy-to-obtain loans can quickly cause damage to your credit score. Our fast alerts protect you from these attacks.

HIGH-RISK APPLICATION & TRANSACTION MONITORINGGet real-time alerts when bank passwords are reset, or healthcare, payroll, or insurance records are electronically accessed. Catch potential identity theft up to 90 days sooner.

Sources:1. Javelin Strategy & Research, 2015 Identity Fraud 2. Bureau of Justice Statistics, December 2013 3. Identity � eft Laws http://identity-theft.laws.com/identity-theft-statistics 4. Identity � eft Laws http://identity-theft.laws.com/identity-theft-statistics


QUICK FACTS

AVERAGE LOSS OF IDENTITY THEFT VICTIMS IN 2014 $9,6502AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT AVERAGE LOSS OF IDENTITY THEFT

ON AVERAGE IT WILL TAKE 330 HOURS TO RESOLVE IDENTITY THEFT ISSUES4

A NEW IDENTITY IS STOLEN EVERY

2 SECONDS1

ID Watchdog gives you the insight you need to fi nd out if you

are a victim of identity theft.


Stop � inking Identity � eft Won’t Happen to You

We guarantee that if you become a victim while under our protection, we will resolve any fraud that occurs—100%!

12%

50% of victims say their credit/debit card of victims say their credit/debit card was negatively impacted.was negatively impacted.1

of victims have had arrest warrants issued of victims have had arrest warrants issued in their names.in their names.3

of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card of victims say their credit/debit card

DID YOU KNOW?

2 OUT OF 3 identity fraud victims were also notifi ed data breach victims.¹

Social Media users are TWICE as likely to become a victim of identity theft.¹ Linkedin, Google+, Twitter, and Facebook users had the highest incidence of fraud.

� e ID Watchdog Di� erence

VICTIMS OF DATA BREACHES ARE 9.5xMORE LIKELY TO BE VICTIMS OF IDENTITY FRAUD.1

16%of consumers with breached credit card of consumers with breached credit card data became fraud victims.data became fraud victims.546% Sources:

1. Javelin Strategy & Research Report, Feb 2012

2. Bureau of Justice Statistics, December 2013

3. Identity � eft Laws

4. Identity � eft Resource Center

5. Javelin Strategy & Research Report, 2014

6. Identity � eft Statistics

7. � e Federal Communications Commission (FCC)

Minecraft/Lifeboat 7M

Experian/T-Mobile 15M

Twitter 33M

Home Depot 56M

Tumblr 65M

Sony 77M

Anthem/Excellus Blue Cross Blue Shield/Premera Blue Cross 100M

LinkedIn 117M

US Voter Registration Records 156M

Myspace 360M

50 100 150 200 250 300 350 400

MOBILE SECURITYTHREATS HAVE INCREASED MORE THAN

350% SINCE 2010.7

33%

Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone Smartphone users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% users have a 33% higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for higher risk for identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.identity theft.1

Data breaches are at the top of the list for likely causes of identity theft, a� ecting 169 million records in 2015.4


OVER 50 MILLION AMERICANS ALREADY SUBSCRIBE TO IDENTITY THEFT PROTECTION. ARE YOU PROTECTED?VISIT WWW.IDWATCHDOG.COM OR CALL 1.866.513.1518 TO LEARN MORE.


© 2016 ID WATCHDOG. ALL RIGHTS RESERVED.EINK0816


16%46%

LinkedIn, Google+, Twitter, and Facebook users had the highest incidence of fraud.

MOBILE SECURITY THREATS HAVE INCREASED MORE THAN 350%

SINCE 2010.

33%


of consumers with exposed SSNof consumers with exposed SSNof consumers with exposed SSNof consumers with exposed SSNof consumers with exposed SSNbecame victims of fraud.became victims of fraud.became victims of fraud.became victims of fraud.616%46%

PRIMARY PROVIDERS

ID Watchdog - Employee Benefits since early 2008

2008 2009 2010 2011 2012 2013 2014 2015 2016

NET PROMOTER SCORE

96%

55%

N/A

UnparalleledCustomer Service

Our call center is open 24 hours a day, 7 days a week

ID WATCHDOG DIFFERENCE

REAL-TIME ALERTINTEGRITY CHECKS

100% Resolution Guarantee

Performed by a dedicated Resolution Specialist

50%

50%

MISSED

50%

50%

MISSED

100%

FIRST IN EXPERIENCE

what this means/why we care what this

means/why we care

TOTAL ACCOUNTS BREACHED IN MILLIONS


www.idwatchdog.com 1.866.513.1518 1

WHITEPAPER

Identity Theft Affects All AgesAnyone can be affected by identity theft, from small children to senior citizens. It doesn’t matter who or how old you are; security breaches can expose your sensitive information to criminals.

Children According to the Federal Trade Commission (FTC), because children have no credit history, their identities can easily “be used by identity thieves to apply for government benefits, open bank and credit card accounts, apply for a loan or utility service, or rent a place to live.” Because most children will not need to use their identities until they turn 16, fraud can often go undetected for years. Identity theft can be devastating for them as it affects their ability to get student loans, scholarships, internships, jobs, and credit cards.

Generation Y and Millennials Millennials often feel somewhat safe and protected from cybercrime because they grew up using computers and other technology. A 2015 Gallup poll found that 44% of 18- to 34-year-olds believe that businesses keep their personal information safe and secure all or most of the time. Millennials are particularly vulnerable to identity theft and fraud because their Social Security numbers (SSN) are used so frequently, including for college loan applications and job application transcripts. Consequently, identity theft and fraud can go undetected, resulting in more damage and a greater expense than if caught right away. According to the FTC, 12% of the reported fraud cases and 14% of the reported identity theft cases in 2015 came from people under the age of 30 (who represent 21% of the population). The International Business Times reports, “Millennials tend not to think twice when they’re asked for information. Experts said this naive belief has a variety of causes, such as Millennials' upbringing, inexperience, and apathy, but it is all likely to end in one result: fraud.”

Gen Y& Millenials 44% OF 18- TO 34-YEAR OLDS believe that businesses keep their personal information safe and secure all or most of the time.

Children Because most children will not need to use their identities UNTIL THEY TURN 16, fraud can often go undetected for years.

© 2016 ID WATCHDOG. ALL RIGHTS RESERVED. EWPG0816



Generation XCurrently part of the largest age group in the workforce, Gen Xers are seeing more than their fair share of identity theft and fraud. Th ose aged 30 through 50 reported 31% of the fraud cases and 36% of the identity theft cases in 2015, which is slightly higher than the 27.2% of the population that they represent. A 2015 Gallup poll reported that a third of Gen Xers trust businesses to protect their personal information all or most of the time. Th is trust, combined with this generation’s favorite ways to save money (using online insurance and subprime mortgages), can result in identity theft going unnoticed for a long period of time since neither of these activities are routinely covered by traditional credit monitoring.

Baby BoomersAs Baby Boomers approach retirement, they must pay close attention to their credit, identities, and fi nances. “Boomers are besieged by criminals operating schemes to swindle them out of their bank information, tax refunds, Medicare benefi ts, and retirement savings, and many don’t realize it,” reports CNN. Th e latest report from the FTC backs this up. People between the ages of 50 and 70 reported 41% of the fraud complaints and 44% of the identity theft cases to the FTC in 2015—almost double the 22.8% of the population that they represent.

SeniorsPeople born before 1945 are not online as much as Baby Boomers, Gen Xers, and Millennials; however, they are relatively easy prey for telephone scam artists. According to the Boston Globe, “Th ieves often pose as Medicare representatives and ask seniors to send them Social Security numbers and other personal information to verify that they are eligible for a benefi ts payment.” People over the age of 70 reported 16% of the fraud complaints in 2015, yet they only represent 8.7% of the population. “Seniors are seen as an easy opportunity. Identity thieves prey upon older people because they are vulnerable. Th ey are often socially isolated and lonely, tend to be trusting and vulnerable, and may have early dementia or memory loss,” reports AgingCare.com.

Protect Yourself Today It doesn’t matter when you were born; no one is safe from identity theft. By enrolling in ID Watchdog, you can rest assured that your identity is fully protected from hackers and cybercriminals. We continuously monitor your account and notify you once we detect a change in your personally identifi able information (PII). Our Certifi ed Identity Th eft Risk Management Specialists (CITMRS) will work with you to assess your case and manage it until your identity is completely restored. ID Watchdog has never been unable to restore an identity. To learn more, visit www.IDWatchdog.com today or talk to your benefi ts administrator.

Boomers BOOMERS ARE BOMBARDED by schemes to con them out of Medicare benefi ts, tax refunds, bank information, and savings.

Gen X 1/3 OF GEN XERS TRUST businesses to protect their personal information all or most of the time.


Take the next step in ensuring your fi nancial well-being by enrolling in ID Watchdog’s identity theft protection.VISIT WWW.IDWATCHDOG.COM TO LEARN MORE.


Seniors Identity thieves prey upon older people because THEY ARE VULNERABLE.

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