2. 1 2016 Risky Business Week Protecting Your Identity: What to Know, What to Do Legal Division CSAA Insurance Group, a AAA Insurer

3. 2 Overview What is identity theft? How can you reduce your risk? What can you do if your identity is stolen?

4. 3 17.6 million identity theft victims in 2014 (7% of US population)* Nearly 500,000 complaints to the FTC in 2015 * U.S. Dept. of Justice, Bureau of Justice Statistics, Victims of Identity Theft, 2014 (September 2015) What is identity theft?

5. 4 Examples of MisuseImpact on Victims Denial of credit/loans Denial of public benefits Denial of medical care Harassment by debt collectors Lawsuits Stress/anxiety Embarrassment Eime/expenses spent on recovery steps Open Credit Cards Open Utility Accounts Apply for a Tax Refund Get a Loan Apply for Employment Get Medical Care What is identity theft?

6. 5 How can you reduce your risk? Make it a habit to monitor your accounts Secure your Social Security number Protect your personal information Be alert to online impersonators Protect your devices

7. 6 Make it a habit to monitor your accounts Read your bank, credit, and account statements and your explanation of medical benefits Order a free credit report  You are entitled to a free credit report every year  To order, visit annualcreditreport.com or call 877-322-8228

8. 7 Secure your Social Security number If someone asks for it, ask:  Why do you need it?  How will it be used?  How will you protect it?

9. 8 Protect your personal information Keep your important papers secure Be careful with your mail Shred sensitive documents Don’t overshare on social networking sites

10. 9 Be alert to online impersonators Don’t click on links in emails

11. 10 Protect your devices Use anti-virus software, anti-spyware software, and a firewall Keep your operating system, browser, and security up to date Create strong passwords Lock up your devices Read privacy policies

12. 11 What can you do if your identity is stolen?

13. 12 What can you do if your identity is stolen? FREE help from IdentityTheft.gov Get a personal recovery plan that walks you through each step Create an identity theft affidavit that you can review and update at any time Get customized pre-filled letters to send to credit bureaus, businesses, and debt collectors Return anytime to update your plan and track your progress Get advice about what to do if you’re affected by specific data breaches

14. 13 What can you do if your identity is stolen?

15. 14 What can you do if your identity is stolen?

16. 15 What can you do if your identity is stolen?

17. 16 Where can you find more information? For more information about identity theft and how you can protect yourself, visit ftc.gov/idtheft or IdentityTheft.gov