Identity Theft Presentation TM Protecting Families, Finances, and Your Future

Harvard Risk Management Corporation In business since 1993 Specializes in the marketing of employee benefits to businesses The largest benefit broker for legal and identity theft plans in the US National enrollment team serving every major city in the United States Compliance division offering compliance and security services Protecting Family, Finances and Your Future

LegalShield In business since 1972 Ranked as one of Forbes “200 Best companies in America” - six of the last ten years Corporate Offices Ada OK - 850 employees National Network of professional law firms who were paid in excess of 100 million dollars last year Over 55,000 corporate clients and 1.5 million members

Facts About Identity Theft There are over 27,000 identity theft victims every day in the US Over 400,000 dead people opened bank accounts last year – AARP Over 250 million Americans’ identities have been reported lost or stolen since January 2005 The average victim will spend over 600 hours restoring their good name; much of this time will be spent during work hours The average dollar amount charged in ID Theft is $92, 893 Only 28% of identity theft deals with credit cards and yet most ID Theft protection plans only monitor credit reports 62% of all ID Theft victims had warrants issued for their arrest

Harvard Risk Management Corporation Five Common Types of Identity Theft Character & Criminal Employment SSA & IRS Medical Financial Drivers License

Types of IDTheft Protection Monitoring Plans Reimbursement Plans Fraud Alert Services Restoration Plans

Harvard Risk Management Corporation It takes… About 60 seconds to find out that you are a victim of identity theft An average of 600 hours to restore your identity

Identity Theft Shield Credit Analysis Credit Monitoring Identity Restoration Covers the employee and their spouse

Kroll Fraud Solutions Group Kroll is the world’s leading risk consulting company. Headquartered in New York and publicly traded on the NASDAQ (KROL) Founded in 1972 by Jules Kroll Operates in 65 cities and 33 countries with over 3800 employees A subsidiary of Marsh-McLennan (MMC), the nation’s largest risk management company with over 57,000 employees worldwide Kroll maintains a superior expertise in monitoring credit and restoring the lives of identity theft victims.

Life Events Legal Plan The Identity Theft Shield is an integral part of a Full Suite of Protection available from LegalShield. Life Events Legal Plan Identity Theft Shield Legal Shield

Harvard Risk Management Corporation The Need For Legal Access: You are three times more likely to be in court than to spend the night in the hospital The average attorney in the United States charges more than $200 an hour The average employee takes 57 hours (13 days) a year off work to deal with legal life events In a recent survey 7 out of 10 employees said they would find a legal plan to be a useful benefit Over 85% of people do not have a current last will and testament

Life Events Legal Plan Summary PREVENTIVE LAW Unlimited Telephone Consultation Letters and Telephone Calls Legal Contract & Document Review Access To Legal Forms Online ESTATE PLANNING Preparation of your Last Will and Testament Annual Updates Preparation of a living will and durable power of Attorney MOTOR VEHICLE Assistance with Moving Violations Anywhere in the US Drivers License Services Defense of Criminal Charges Personal Injury and Physical Damages Collection TRIAL DEFENSE Defense of Civil Actions Pre-Trail and Trial Assistance Coverage Increases For the First Five Years Summary of Benefit Only See membership policy for complete details, limitations and exclusions.

25% Life Events Legal Plan Summary IRS AUDIT 25% LEGAL SHIELD IRS AUDIT SERVICES Consultation Representation at Audit Representation at Trial LEGAL SHIELD 24 Hour Access to The Provider Law Firm if you are Ever Arrested, Detained, or served with a Warrant. PREFERRED MEMBER DISCOUNT 25% Discount from the attorney’s standard hourly rates for services not covered under the membership, including pre-existing conditions. FAMILY COVERAGE Life Events Legal Plan Covers Member, Spouse and Qualified Dependents Summary of Benefit Only See membership policy for complete details, limitations and exclusions. LEGAL SHIELD 24 hour access to the provider law firm if you are ever arrested, detained, or served with a warrant. Plan Covers Employee, Spouse and Qualified Dependents PREFERRED MEMBER DISCOUNT 25% Discount from the attorney’s standard hourly rates for services not covered under the membership, including pre-existing conditions. IRS AUDIT SERVICES Consultation Representation at Audit Representation at Trial 25% Please see membership contract for all details and exclusions. Summary of Benefit Only See membership policy for complete details, limitations and exclusions.

$25.90 per month! Harvard Risk Management Corporation The group rate for the Life Events Legal Plan and the Identity Theft Shield is only $25.90 per month! That is less than the cost of a bottle of water a day!

Your Bottom Line… Offering Legal and Identity Theft Plans to Your Employees Has a Positive Financial Impact on Your Company! Because employees have attorneys to take care of personal legal issues (contract review, speeding tickets, contract disputes, etc.) they do not have to take time off work to deal with them, thus keeping them on the job and more productive. By offering a legal plan an employer can substantially reduce employee stress and sick leave. If an employee becomes a victim of identity theft they will use day time hours to go through the process of restoration. The average victim will spend over 600 hours restoring their identity.

Your Bottom Line… Offering Legal and Identity Theft Plans to Your Employees Has a Positive Financial Impact on Your Company! By offering the Identity Theft Shield™, businesses create an automatic early warning system for potential data breaches that may occur within the company. Legal plans have been shown to reduce employee litigation against an employer and the plan does not pay one penny for an employee to sue an employer past or present. These plans can be offered as an employee benefit at absolutely no cost to an employer. As a result, your business saves money without spending money!

Harvard Risk Management Corporation Moving Forward Schedule a time to meet with employees Benefit presentations are only 10-15 minutes and can be included as part of a staff meeting or safety meeting Identity Theft Workshops also available at no charge Let your representative know how many employees your company has, and they will prepare accordingly

Harvard Risk Management Corporation This concludes the presentation. Please get with the associate that invited you to the webinar.

Identity Theft Presentation TM Protecting Families, Finances, and Your Future