For more information, please contact your Pre-Paid Legal Independent Associate

EXCLUSIONS: Legal Remedy - Any Stolen Identity Event where the vic-tim is unwilling to prosecute the person who caused the victim to suffer the fraud or its consequences. Dishonest Acts - Any dishonest, criminal, mali-cious or fraudulent acts, if the Member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts. Financial Loss - Membership Services do not cover any financial losses attributed to the Sto-len Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct. Pre-existing Stolen Identity Event Limitations - If either the victim had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to them prior to enrollment in the Identity Theft Shield program, such an event or the consequences caused by it are not covered. Business - A covered stolen identity event does not include the theft or unauthorized or illegal use of their business name, DBA or any other method of identifying their busi-ness activity.

Marketed by: Pre-Paid Legal Services, Inc.

Services provided by: Kroll Inc.

Criminals want to rip-off your identity, your finan-cial history, and everything else that you’ve worked hard to earn. They are determined to make a name for themselves by taking advantage of your credit record.

• You should know: 37 percent of victims experienced

problems beyond the time they spend recovering and their

out of pocket expenses. The problems included being

harassed by debt collectors, unable to use existing credit

cards, subjected to criminal investigations or civil suits, being

arrested, or having difficulty accessing bank accounts.

It can take minutes to steal your identity, but years to repair the financial damage and emotional toll on you and maybe your loved ones.

• You should know: Almost one-quarter of victims of

new account and other frauds did not discover the misuse

of information for at least six months after it started.

They take more than moneyWhen as

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BRO.IDTGOLD • 53691 • 4.09 ©2009 Pre-Paid Legal Services, Inc., Ada, OK

THE FIVE MAJOR TYPES OF IDENTITY THEFT INVOLVE:

• Driver’s licenses

• Social Security Numbers

• Medical information

• Character/Criminal actions

• Financial transactions

No one expects Identity theft to happen to them, but it affects

millions of people in North America each year. • Identity restoration means that licensed investigators will work to correct damages caused by identity theft. This includes working with affected public agencies, like the Social Security Administration, the U.S. Postal Service and law enforcement personnel. In addition, fraud alerts will be sent on your behalf to all three credit repositories and affected companies and agencies. Finally, proactive searches of applicable local and national databases will be made on your behalf (to look for information you may not be aware of). You should know: If someone steals your identity and no action is taken you can have serious problems when you try to get a loan, apply for a credit card or during other types of financial transactions. Creditors may also use collection agencies to harass you to demand payments, even if it’s not your debt. This crime can disrupt all aspects of your life.

NOTE: Your IDT membership covers you and your spouse.

• An up-to-date Experian credit report, including your personal credit score calculated and analyzed by an independent service. You should know: A credit report and your credit score (a statistical analysis of your credit history) is reviewed by many types of companies, from mobile phone service providers and home loan lenders to potential employers.

• Continuous monitoring of your credit file at all three credit repositories means you will be alerted about new activity.You should know: Credit monitoring is essential to discover-ing if your credit file has been accessed to open new ac-counts, if late payment notations are added, or collection notices have been filed. In many cases, changes of address and other public records are reflected in your credit file as well. If not initiated by you, any of these actions can indicate a potential identity theft.

CREDIT REPORT

CONTINUOUS MONITORING

IDENTITY RESTORATION

After you enroll in the Pre-Paid Legal Identity Theft Shield plan, you’ll receive your membership packet containing the “Consumer Report and Monitoring Authorization Form” to start the process. Just fill out this simple form and return it, or call 1-800-654-7757 after your membership is processed by Pre-Paid Legal.

You will have a toll-free number to report any potential discrepancies in your credit report. If the discrepancy is identity theft, a Fraud Restoration package will be rushed to you and our expert investigators will assist you in steps to correct inaccuracies.

When an identity thief strikes, the emotions can feel similar to those expe-

rienced during a house fire. All of a sudden, everything you’ve worked for

is threatened. If your home were on fire, would you want the fire depart-

ment to send you brochures about how to put out the fire, then follow up

with brochures about how to rebuild? Of course not. You’d want them to

jump in the truck, turn on the sirens, and bring the water! Identity Theft

Shield puts the experts in the field of identity restoration on your side.

You’ll get so much more than “do it yourself” information!