1. U.S. SECRET SERVICE “Worthy of Trust and Confidence” IDENTITY THEFT HOW TO DEFEND YOUR GOOD NAME IDs

2. U.S. SECRET SERVICE “Worthy of Trust and Confidence” AGENDA 1. 1. ID THEFT STATISTICS 2. 2. TACTICS OF AN ID CRIMINAL 3. 3. HOW TO DEFEND YOURSELF 4. 4. “MY ID’S BEEN STOLEN! WHAT DO I DO?!” 5. 5. QUESTIONS AND EXPERIENCES

3. U.S. SECRET SERVICE “Worthy of Trust and Confidence” IDENTITY THEFT FACTS AND FIGURES: FASTEST GROWING CRIME IN THE US TEXAS IS AMONG THE TOP 6 STATES IN THE US WITH THE MOST ID THEFT VICTIMS APPROXIMATELY 15 MILLION PEOPLE BECAME VICTIMS OF ID THEFT IN 2006 COST OF ID THEFT IN 2005 = $56.6 BILLION STATISTICS PROVIDED BY ITRC

4. U.S. SECRET SERVICE “Worthy of Trust and Confidence” STATISTICS PROVIDED BY ITRC IDENTITY THEFT FACTS AND FIGURES: IDENTITY THEFT FACTS AND FIGURES:(CONT’D) VICTIMS SPEND AN AVERAGE OF 231 HRS RECOVERING FROM ID THEFT CRIME VICTIMS SPEND AN AVERAGE OF $1342 IN OUT-OF-POCKET EXPENSES APPROXIMATELY 85% OF VICTIMS FOUND OUT ABOUT THE CRIME DUE TO AN ADVERSE SITUATION

5. U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL IDs

6. U.S. SECRET SERVICE “Worthy of Trust and Confidence” MAIL THEFT

7. U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL IDs

8. U.S. SECRET SERVICE “Worthy of Trust and Confidence” STATISTICS PROVIDED BY ITRC SECURITY BREACHES SECURITY BREACHES In 2006, 312 Security Breaches affecting nearly In 2006, 312 Security Breaches affecting nearly 20 million people were reported: 20 million people were reported: 29% Gov’t/Military Agencies 29% Gov’t/Military Agencies 28% Educational Institutions 28% Educational Institutions 22% General Businesses 22% General Businesses 13% Health Care Facilities 13% Health Care Facilities 8% Banking/Credit Card Institutions 8% Banking/Credit Card Institutions

9. U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL IDs

10. U.S. SECRET SERVICE “Worthy of Trust and Confidence” SKIMMERS

11. U.S. SECRET SERVICE “Worthy of Trust and Confidence” ATM MACHINE SKIMMER

12. U.S. SECRET SERVICE “Worthy of Trust and Confidence”

13. U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL IDs

14. U.S. SECRET SERVICE “Worthy of Trust and Confidence” Use a website/logo that looks like the website/logo of the legitimate company. Sender pretends to be a legitimate company or bank. A fraudulent scheme involving ID Theft typically by email. PHISHING

15. EMAIL EXAMPLE U.S. SECRET SERVICE SERVICE “Worthy of Trust and Confidence” and Confidence”

16. PHISHING EMAIL EXAMPLE U.S. SECRET SERVICE “Worthy of Trust and Confidence” and Confidence”

17. PHISHING EMAIL EXAMPLE U.S. SECRET SERVICE “Worthy of Trust and Confidence” and Confidence”

18. U.S. SECRET SERVICE “Worthy of Trust and Confidence” Estimated that between 3% -14% of phishing scams are successful PHISHING STATISTICS # of U.S. adults that received phishing emails rose from 57 million in 2004 to 109 million in 2006 Losses from successful phishing scams rose from $137 million in 2004 to $2.8 billion in 2006 STATISTICS PROVIDED BY ITRC

19. U.S. SECRET SERVICE “Worthy of Trust and Confidence” How identity thieves use your information: TACTICS OF AN ID CRIMINAL Open a new credit card account or tamper with an existing account Open up bank accounts in your name and write bad checks/counterfeit checks or drain your existing bank accounts Take out a loan in your name to buy a car/house Set-up phone, wireless or utility service If arrested, they give your name and info to police and don’t show up for court File a tax return in your name

20. U.S. SECRET SERVICE “Worthy of Trust and Confidence” How identity thieves use your information: TACTICS OF AN ID CRIMINAL

21. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF BUY A SHREDDER: Charge receipts Copies of credit applications Insurance forms Physician statements Checks and bank statements Expired charge cards Credit offers you get in the mail

22. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF Deposit outgoing mail in post office collection boxes or at your post office rather than an unsecured mailbox Promptly remove mail from your mailbox Request a vacation hold from Post Office if away for an extended time Failure to receive bills, statements OR receiving statements you did not apply for MAIL THEFT

23. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF Opt Out of Pre-Approved Credit Card Offers Call (888)5-OPT-OUT or www.optoutprescreen.com Opt Out of Receiving Junk Mail www.dmachoice.org MAIL THEFT

24. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF Limit the identification info and the number of credit/debit cards you carry to what you actually need Monitored Alarm System at Home Secure/hide personal information in your home OR get a safety deposit box Ask about security procedures at your place of work and at businesses/doctor’s offices that collect your personal information. Disposal? STOLEN PERSONAL INFO WALLET, WORK, HOME

25. U.S. SECRET SERVICE “Worthy of Trust and Confidence” PROTECT YOUR SOCIAL SECURITY NUMBER Never carry your Social Security Card in your wallet Never write your Social Security Number on a check or other document Only give out your Social Security Number when absolutely necessary:   Why do you need my SSN?   How will it be used?   How do you protect my SSN?   What will happen if I don’t give you my SSN?

26. U.S. SECRET SERVICE “Worthy of Trust and Confidence” Pay Cash instead of using a credit/debit card HOW TO DEFEND YOURSELF SKIMMING/ATM FRAUD When using your credit/ATM card: - Be wary of your surroundings (ie. shoulder surfing) - Try to keep an eye on what the store clerk/ waiter does with your credit card When possible, use ATM machines you are familiar with; contact your bank if you notice anything out of the ordinary

27. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF “PRETEXTING” Never give out your personal info over the phone unless you initiate the contact and you know that you are speaking to a true company employee. THINK FIRST! ACT SECOND!! Before giving out personal information, verify this is a real representative of the company/agency. Conduct your own background investigation. Area Code Decoder: http://decoder.americom.com/cgi-bin/decoder.cgi LOOSE LIPS, SINK SHIPS! LOOSE LIPS, SINK SHIPS!

28. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF Do not open or respond to emails you know are scams – DELETE! PHISHING Companies/agencies should never ask you for your personal information via phone or email Independently contact the company/agency supposedly sending the email   DO NOT use links or phone #s listed in the suspect email

29. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF Use complex passwords; do not use auto log-in COMPUTERSECURITY Ensure you are using a secure browser to guard your online transactions (ie. shopping on the internet):  s://www.website.com  https://www.website.com  Look for security icons Update your virus protection software regularly; use a firewall and antispyware

30. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF COMPUTERSECURITY Wireless Internet Users – ensure yourwireless security is enabled in the form of WEP, WPA or WPA2 security protocols www.cnet.com

31. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF When writing a check, use 207 ink On the back of your credit/debit card, write “CHECK ID” instead of signature Monitor your bank and credit card accounts frequently to catch fraud early Place passwords on accounts with financial institutions, etc.

32. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF ORDER YOUR FREE CREDIT REPORTS!!! www.annualcreditreport.com OR CALL 877-322-8228 Review your credit reports. Look for: Inquiries from companies you did not contact Accounts you did not open Debts on your accounts you can’t explain Check for accuracy of your personal info Get fraudulent or inaccurate info removed/corrected

33. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF CREDIT (SECURITY) FREEZE Available to all consumers in Texas as of Sept 2007 Available to all consumers in Texas as of Sept 2007 $10 Fee per credit agency unless ID Theft Victim $10 Fee per credit agency unless ID Theft Victim Remains in effect until you remove it Remains in effect until you remove it A Security Freeze prohibits, with some exceptions, A Security Freeze prohibits, with some exceptions, a credit reporting agency from sharing your credit file www.financialprivacynow.org www.financialprivacynow.org

34. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” STEP 1: Contact the fraud department of one of the three major credit bureaus. Request a fraud alert be placed in your file (effective for 90 days) Order current copies of your credit report (these reports will be no charge) Place a Security Freeze on your credit reports (no charge)

35. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” STEP 2: Close the accounts that you know or believe have been tampered with or opened fraudulently Ask the company/bank to send you fraud dispute forms or find out what steps you need to take to clear your name Checks – Stop payment on all checks and ask the bank to notify their check verification service (ie. ChexSystems)

36. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” STEP 3: File a report with local police or with the police department where the offense took place. Be prepared to provide copies of the report to the credit card company or bank. They may need this as proof to erase debts created by the ID thief NOTE: For Mail Theft incidents you may also try the U.S. Postal Inspection Service

37. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” STEP 4: File a complaint with the FTC This info can help Law Enforcement Refer the victim to other agencies that can help Identity Theft Affidavit

38. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!”

39. U.S. SECRET SERVICE “Worthy of Trust and Confidence” Equifax 1-800-525-6285 www.equifax.com Experian 1-888-EXPERIAN www.experian.com TransUnion 1-800-680-7289 www.transunion.com THREE CREDIT BUREAUS

40. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HELPFUL WEBSITES Federal Trade Commission www.ftc.gov/bcp/menus/consumer/data.shtm Identity Theft Resource Center www.idtheftcenter.org/ ScamBusters www.scambusters.org Looks Too Good To Be True www.lookstoogoodtobetrue.com

41. U.S. SECRET SERVICE “Worthy of Trust and Confidence”