High Quality, Competitively Priced Identity Theft Program that Emphasizes its Intensive In-House Recovery Services HR Specialty Products & Services Catalogue Executive Summary A No Frills Distillation of Vendor’s Marketing Collateral Thomas A Ference President & CEO Human Resources Mining & Distribution Co Locating, Validating and Accelerating HR Innovation Office: Cell: Fax: Website:

The Problem Most other identity theft programs : -focus solely on the credit theft area which represents only 20% of all identity fraud -provide “full assistance” only as they define this term and only at significant additional expense to members -outsource critical backroom recovery functions to other organizations Identity Theft prevention is a false promise therefore, the value in such a program lies in the actual recovery effort and related services

This Identity Theft Solution This totally-integrated identity theft service provides a 3-pronged approach to total member protection: (1) portal-delivered education programs and scam alerts aimed at victim protection, \ (2) best-in-breed ID monitoring across all known data sources including the IRS, medical/ health records, on line transactions, etc. (3) robust US-based and in-house Call Center plus secure Recovery Center The Recovery Center is staffed with CITRMS certified recovery experts who provide start-to-finish recovery services including: - next day delivery of proprietary “Recovery Kits” that are sent to the affected member - directions and contact information to the closest Police Department that will indeed create an Identity Theft Police Report (as not all Police Departments recognize these crimes)

This Identity Theft Solution Recovery Kits include all requisite information and forms like ID Theft affidavits, specific agency forms, form letters, etc. including a Limited Power of Attorney so that the Recovery Expert can act on the member’s behalf. Average recovery time is 30 days and hours spent by the victim average 2 to 3 hours vs. self-service style recovery which ranges between 60 and 500 hours. Can be employer-sponsored or employee-elective. Advantages to employer include employee time saved and thus maintenance of productivity.

Identity Theft Recovery Process

Comparison to Top Brand Name Vendors Feature This VendorBrand Name #1Brand Name #2 Price $ Essentials $ Complete $ Complete Family $8.50 -Basic $ Ultimate $ Family $14.95 Basic Plan N/A $29.95 Premium Plan Recover y Full-service; in-house CREs All types of ID theft Avg. 30 days Whole family on all plans; Including seniors & children Outsourced recovery Primarily credit-based recovery Standard service: assistance only Additional costs to cover children; No senior options. Outsourced “managed” recovery Basic Plan: Reactive assistance Premium Plan: Limited Proactive assistance Only covers spouse & up to 8 children under 18; No seniors coverage Service Personalized, high-touch approach Flexible, boutique service Easily implemented Large, impersonal approach Small fish; big pond No automated processes to integrate with HR data. Secondary business & Primarily reactive Limited options, monitoring & flexibility Only Lost Wallet which requires Premium plan Lacks ongoing education & communication without request

Next Steps This product/service is contained in the HR Specialty Products & Services Catalogue™ Operational level details about this particular service provider can be obtained in conference with the vendor The HR Mining &Distribution Co. is an independent and contracted representative of the vendor Upon your request, we will arrange for an introduction that can range from a simple, quick conference call to a services overview / system demo Tom Ference (Chicagoland area) or Thank you for your potential interest in this fresh thinking