1. a ID Theft & ACCOUNT FRAUD Welcome to MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Prevention & Cleanup © 2012

2. What will you learn? During this presentation you will learn: How ID theft and account fraud happen The effects of ID theft and account fraud How to avoid becoming a victim MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

3. What is ID theft and account fraud? When someone steals another person’s personal information to commit fraud MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

4. Other types of ID theft Medical ID theft Theft of a child’s identity MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

5. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Theft of a deceased person’s identity

6. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Criminal ID theft

7. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP How do thieves get your information?

8. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Data breach

9. The costs of identity theft Average fraud amount per victim in 2010: $4,607 Estimated out-of-pocket cost for victims of ID theft in 2010: $631 Victims may spend more than 100 hours cleaning up a newly opened fraudulent account. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

10. ID theft prevention MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

11. Medical Information Bureau (MIB) MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Specialty reports

12. Residential tenant reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

13. Check writing history reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

14. Employment data reports The Work Number maintains information on approximately 25 million employees.  800-996-7566  www.theworknumber.com MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

15. Insurance claims reports Informs insurers about claims you have made against your homeowners or automobile insurance policies  LexisNexis C.L.U.E.: 866-312-8076  Insurance Services Office (ISO) A-Plus: 800-627-3487 MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

16. Employment background check reports LexisNexis Employment History Report  866-312-8075  personalreports.lexisnexis.com/em ployment_history_report.jsp MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

17. Internet safety MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

18. Active duty alert MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

19. Already an ID theft victim? MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

20. ID theft cleanup File a police report. Contact appropriate state and federal law enforcement agencies. Complete a free ID theft affidavit from the FTC: www.ftc.gov/idtheft. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

21. Fraud alerts What is a fraud alert? Credit bureaus will work with you to verify information and delete fraudulent data in reports. Place a minor alert if you suspect your child’s identity has been stolen. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

22. Freeze your credit MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

23. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Shopping for ID theft services

24. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Dealing with collection agencies

25. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

26. Non-profit resources Consumer Action: www.consumer-action.org Identity Theft Resource Center: www.idtheftcenter.org National Fraud Information Center: www.fraud.org MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

27. Non-profit resources Privacy Rights Clearinghouse: www.privacyrights.org AARP: www.aarp.org/money/scams-fraud/ Nat’l Assoc. of Attorneys General (NAAG): www.naag.org MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

28. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Visit money-wise.org for additional information and to access free financial education materials