Welcome! Dial In Number: 435.871.6000 PIN: 419042# Video Technical Support: 866.779.3239

1. Welcome! Dial In Number: 435.871.6000 PIN: 419042# Video Technical Support: 866.779.3239 Audio Technical Support: *0

2. Introductions • Gerri Detweiler- Consumer credit expert • Dedicated consumer advocate ensuring that credit practices better serve, inform and protect consumers • 1,500 interviews including CNN, The New York Times, Dateline, Readers Digest and the Today Show • Testified before Congress • Daniel Massey– Director, Product Management • Extensive knowledge of credit and banking industries • Developed and managed cutting edge web-based financial products • Managed enterprise support centers for top-tier financial institutions

3. Session 3 • Around the Clock Identity Theft Detection & Protection •  • Standard Precautions • Uncommon Knowledge • Early Detection Checklist • Fraudulent Detection & Resolution

4. Standard Precautions • What You Already Know •  • Shred all documents you intend to discard • Check your mailbox regularly; add a lock • Never give out your entire social security # • Change passwords often • Use passwords that are not easy to guess • Provide personal/financial information sparingly

5. Uncommon Knowledge • Online vs. Offline •  • Online is safer than paper transactions • Online fraud is less severe, less costly • Fraud detected earlier online than on paper • Online victims experienced 1/8 financial loss • Majority of identity fraud crimes are self-detected

6. Identity Theft Incidents

7. 24 x 7 Protection • Move Online •  • Develop an understanding of financial activity • Pay your bills online • Set up online alerts • Monitor your credit report monthly • Keep anti-virus, spyware & backup systems current

8. Fraudulent Activity • Detection • Review changes in your credit report each month • Watch new inquiries, accounts, address changes • Watch financial accounts for unusual activities, set up alerts for early notification • Research suspicious activity quickly • Monitor accounts for over a year after breech • Watch for latest scams

9. Fraudulent Activity • Resolution • Contact id theft insurance company • Get a police report • Fill out ID theft affidavit (www.ftc.gov/idtheft) • Order free credit reports • Dispute fraudulent accounts and inquiries • Keep excellent records! • Place a fraud alert on your credit report • Contact attorney if needed

10. 24/hour Watchdog! • Affordable / Comprehensive • Coverage •  • Monthly credit report from CSC/Equifax • Online account monitoring with alerts • ID theft insurance through AIG

11. Integrated Dispute Letters • Professional templates authored by credit expert • Easily personalized • Detailed instructions • Ensures results.

15. Insurance Benefit • ID Theft and • Credit Fraud Insurance • $25,000 coverage, no deductible • Provided by AIG (the leading international insurance organization) • Insurance coverage includes: • Legal Defense Fees And Expenses • Lost wages, including self employed • Out of pocket expenses (ex: Notary costs)

16. Stay Informed

17. CardRatings Members Get Started Sign up on or before July 23rd and receive this black and dark gray striped short-sleeve Izod golf shirt with the EverydayWealth logo stitched in white. (sizes M - XXL). Visitwww.EverydayWealth.com/CardRatings

18. EverydayWealthSystem • It’s Easy •  • Create the system to work for you • Closely monitor activity for a few weeks • Monitor at a glance moving forward

19. EverydayWealth • Thank You! • 