1. Shielding the Wellness of Your Identity

2. Who is Elements? Credit Union A member-owned not-for-profit cooperative Founded by Lilly in 1930. Today representing 80+ companies and 70,000+ members with access at 5,500+ shared branches nationwide and 72,000+ ATMs worldwide. Member Value Savings of $15.3 million* by doing business with us in 2015. *Competitive Values are estimated by comparing historical rates and fees at Elements Financial and at the five banks and credit unions with the largest market share in Central Indiana; data valid as of 8/31/15. Federally Insured by NCUA

3. Overview What’s the Risk? #1 Consumer Crime 1 BILLION Records Leaked in 2014 Medical ID Theft on the Rise Fraudulent Tax Returns Even Children Are at Risk Must have AWARENESS before you can minimize, monitor and manage your risk.

4. What is Identity Theft? Someone steals your personal information. SSN, DOB, employment details Uses it without permission to apply for credit in your name. Changes your passwords. Assumes your identity. Damages your finances, credit score and history, and your overall reputation. High-profile recent breaches: Anthem, Home Depot, Target

5. How do you know? Mistakes appear on accounts or your “Explanation of Medical Benefits” Bills go missing or you receive new bills Calls from debt collectors for debts that aren’t yours Tax filings get rejected – someone else has filed in your name. Calls or mail about accounts in your minor or adult child’s name Unexpectedly turned down for a loan

6. …steal information from your trash. …steal information from business and sell it online. … trick you into revealing information, online and/or by phone, by pretending to offer you a trip, job, or loan. …steal your wallet or purse. …plant computer viruses. …place skimmers at gas pumps and points of sale. How does it happen? Identity thieves will…

7. Make it a habit, like buckling your seatbelt, or locking up at night. Think seriously before providing any private information. Do not carry your Social Security card in your wallet or purse. Do not place outgoing payments in your home mailbox. Guard identities and SSNs of your children and elderly parents. Reduce Your Risk Treat your personal information with TLC!

8. You have the right to a free credit report every 12 months. Order at annualcreditreport.com or 1-877-322-8228. Reduce Your Risk Monitor Your Identity.

9. Protect yourself with the placement of a Security Freeze at no cost with all 3 credit reporting agencies. www.freeze.equifax.com www.experian.com/freeze www.transunion.com/freeze Freeze Your Risk Be Proactive!

10. To place a Security Freeze you will need: Your full name, SSN, and birthdate Prior 5 years of home addresses Proof of current address, such as a utility bill Photocopy of driver’s license or another government-issued ID Security Freeze FAQs: IndianaConsumer.com/IDTheft Freeze Your Risk Be Proactive!

11. Read your bank, credit and account statements, and Explanation of Medical Benefits. Look for charges you didn’t make. Watch for your bills to arrive on time. Follow up with creditors if you get bills you don’t expect. Eliminate the paper trail – pay bills online. Reduce Your Risk READ

12. Respond quickly to red flags from the Internal Revenue Service. If someone has used your Social Security Number on a tax return, contact the IRS’s Specialized Identity Theft Protection Unit. 1-800-908-4490 Be wary of phone messages claiming to be the IRS. Reduce Your Risk RESPOND

13. 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? Reduce Your Risk SECURE

14. Proactively manage your Personal Information. Keep important papers secure. Be careful with your mail. Shred sensitive documents. Don’t overshare on social networking sites. Reduce Your Risk MANAGE

15. Be alert for online impersonators. Do you know who is getting your personal information? Don’t click on links in emails. Contact customer service to verify authenticity. Reduce Your Risk BE ALERT

16. Protect your computer. Use anti-virus and anti-spyware software, and a firewall. Create stronger passwords. Keep your computer’s operating system, browser, and security settings updated. Encrypt data. Be wise about WIFI. Reduce Your Risk PROTECT

17. Adopt alternative payment methods. Chip card technology called EMV Mobile payments Online checkout and bill payments Reduce Your Risk ADOPT

18. Contact any of the 3 nationwide credit bureaus. Equifax: 1-800-525-6285 Experian: 1-888-397-3742 TransUnion: 1-800-680-7289 If your identity is stolen… STEP 1: Act Fast to Place a Freeze on Credit Reports

19. Contact all 3 credit bureaus. ID theft victims get FREE copies. Read your reports carefully. Alert all 3 credit bureaus of inaccuracies or wrongdoings on your accounts. If your identity is stolen… STEP 2: Order Your Credit Reports

20. Gives you the rights that help you recover more quickly. File a complaint with the Federal Trade Commission. FTC.gov/complaint or 1-877-438-4338. This will become your FTC Affidavit. File a police report. If your identity is stolen… STEP 3: Create an Identity Theft Report with the Facts

21. Your FTC Affidavit and Police Report combined make an Identity Theft Report. If your identity is stolen… STEP 3: Create an Identity Theft Report with the Facts

22. File an identity theft complaint with the FTC. FTC.gov/complaint 1-877-ID-THEFT 1-877-438-4338 Learn more about identity theft. FTC.gov/idtheft Order free materials. bulkorder.ftc.gov Contact the FTC

23. Elements and our ID Theft Prevention Partners can help. Look into EZShield Family Identity Restoration. elements.org/ezshield Shielding Your Identity is Financial Wellness

24. Any Questions?

25. Thank You