Identity Theft Information

Keeping your identify safe is important to us. If you fall victim, our Identity Theft Recovery Service may provide a huge relief on your burden. For $1.95 a month, you receive piece of mind that someone is on your side when needed through, NXG Strategies.

What are the Benefits?

CGR Credit Union checking account benefits include fully managed identity recovery services for all named accountholders, with benefits extending to three generations of the accountholder’s family if a family member is affected by the identity theft event. Eligible family members include:

• Spouse or domestic partner
• Dependents under age 25 with the same permanent address – even if they are in college or in the military
• Parents with the same permanent address – living at home or in elder care (nursing home, assisted living, hospice, etc.) – with benefits extended up to 12 months after death

We want to add additional value to our relationship with you, so we have arranged for professional identity theft research and recovery benefits to extend beyond accounts with us to cover all types of identity theft – including both financial and non-financial fraud. These include, but are not limited to:

• Medical fraud
• Bank and credit card fraud
• Government documents and benefits fraud
• Employment fraud
• Phone and utilities fraud
• And many more…

©2008-2011 NXG Strategies, LLC. All Rights Reserved

Fully Managed Identity Resources – How It Works

If you suspect identity theft for any reason, or your personal information becomes compromised – as a result of a lost purse or wallet, a break-in, lost laptop or data breach, or other event – we can help. Simply call CGR Credit Union, and a representative will verify your information and securely submit your case to a Personal Recovery Advocate, who will contact you directly by phone.

This trained and certified Recovery Advocate will place fraud alerts at the three major credit bureaus for you; help you access services to watch for signs of identity theft; and access your credit reports and conduct a threat assessment to determine if any identity theft has occurred.

If you are victimized by identity theft, your Advocate will work on your behalf to restore your identity. Your advocate will:

1. Provide you with access to credit reports from all three bureaus, and review the reports with you to identify fraudulent activity.
2. Work with you to place fraud alerts with the three major credit bureaus.
3. Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
4. Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
5. Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc. as applicable, to address any misuse of official documentation of your identity.
6. Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
7. Follow up to make sure all wrongful activity is reversed and removed from your records.
8. Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.
9. Enlist other members of the recovery team to assist when necessary, including professional investigators and legal advisors.
10. Provide 12 months of follow-up after your recovery is complete – to be sure you stay recovered!

©2008-2011 NXG Strategies, LLC. All Rights Reserved

What to do if you fall victim:

• Contact your financial institution immediately and alert it to the situation.
• If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau’s fraud division:

Equifax: 800-525-6285 P.O. Box 740250 Atlanta, GA 30374

Experian: 888-397-3742 P.O. Box 1017 Allen, TX 75013

TransUnion: 800-680-7289 P.O. Box 6790 Fullerton, CA 92634

Report all suspicious contacts to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

How to Protect Yourself

Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the Internet if you did not initiate the contact.

Never click on the link provided in an e-mail you believe is fraudulent. It may contain a virus that can contaminate your computer.

Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.

If you believe the contact is legitimate, go to the company’s Website by typing in the site address directly or using a page you have previously book marked, instead of a link provided in the e-mail.

If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.

Report suspicious e-mails or calls to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

Identity Theft Expense Reimbursement Evidence of Coverage

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