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Consumer Credit Protection Packages
MicroBilt Assurance Protection Program™

Offer Your Customers the Best Defense Against Identity Theft and Credit Fraud! You can now offer all of your customers, employees and/or members the MicroBilt Assurance Credit Protection Program™ that combines state-of-art credit monitoring, identity theft prevention, credit score improvement procedures with AIG-backed insurance. The MicroBilt Assurance Credit Protection Program™ combats identity theft, saves your customers, employees and/or members valuable time and money and complements your organization’s compliance with the new FACTA regulations.

The MicroBilt Assurance Credit Protection Program™ gives you the flexibility to choose the tools you need to:

• Give Credit Protection Packages as New Account Opening incentives instead of items such as toasters
  
• Heighten the awareness of your customers, employees and members to the escalating risks and consequences of identity theft
  
• Provide additional value-added benefits to your customers, employees and/or members
  
• Protect your customers, employees and/or members from being victimized by identity thieves
  
• Assure your customers, employees and/or members that if they become victims of identity theft, the costs of resolving the matter and restoring the good credit will be covered.
  
• Boost customers, employees and/or members loyalty
  
• Promote community vigilance against identity fraud
  
• Expand revenue by offering new innovative products
  
• Enrich the credit quality of your customers, employees and/or members

Protection Program Product Components...

Each program offers customized annual protection that commences immediately upon completion of your order and continues in effect for twelve months. Annual renewals are automatic unless cancelled by your organization prior to the beneficiary renewal date.

Among the products offered under the MicroBilt Assurance Credit Protection Program™ are the following:

Identity Theft Insurance* Coverage
The MicroBilt Assurance Identity Theft Insurance™ part of the Credit Protection Program™ reimburses victims of identity theft expenses up to $25,000 (no deductible).

Covered customers, employees and/or members receive 100% of their money back for covered out-of-pocket expenses resulting from identity theft.

• Legal costs
• Lost wages for time off work (up to $500 per week for 4 weeks)
• Notary charges
• Long distance phone charges
• Mailing costs
• Loan re-application fees
• Effects of Computer Attack

* AIG underwrites the insurance. Certain exclusions apply. Please refer to the detailed description of benefits in the certificate of insurance.

FICO® Score Products
Understanding a FICO® score and its impact on credit scoring is critical to protecting the credit of your customers, employees or members. The MicroBilt Assurance Credit Protection Program™ includes a number of FICO® Score product options designed to educate and inform your members, employees and customers on FICO® scores, as well as ways to improve their scores , monitor their credit file and track their FICO® score. MicroBilt Assurance’s FICO® Product options include:

FICO® Standard

• A single FICO ® score from your either Equifax, Experian or Trans Union
• One credit report from a choice of Equifax, Experian or Trans Union
• A personalized list of reasons why the score is high or low
• A FICO® Score Simulator that analyzes personal credit information and depicts the expected change in FICO® score based upon consumer actions such as paying off a credit card or opening a new account

FICO® Deluxe

• Three FICO ® scores, one each from Equifax, Experian or Trans Union
• A credit report from each of the bureaus — Equifax, Experian and Trans Union
• A personalized list of reasons why the credit scores are high or low
• A FICO® Score Simulator that analyzes personal credit information and depicts the expected change in FICO® score based upon consumer actions such as paying off a credit card or opening a new account

FICO ® Score Watch

• Two Score Power® Reports (one at initial sign up another anytime thereafter) that include a complete Equifax credit report and Combined FICO® Score (plus discounts on additional reports)
• A personalized list of reasons why the credit scores are high or low
• Daily monitoring of FICO® score with immediate notifications of changes to the FICO® score every time an alert is issued regarding a change on the Equifax credit report.
• A FICO® Score Simulator that analyzes personal credit information and depicts the expected change in FICO® score based upon consumer actions such as paying off a credit card or opening a new account

Fraud Victim Services
In the event that one of your customers, employees and/or members becomes a victim of identity theft, a Fraud Resolution Specialist stands ready to assist them in the process of recovering the victim’s identity, clearing his name and restoring his credit rating. The MicroBilt Assurance Identity Theft Hotline and its web-based tools and resources, provide the identity theft victim with the tools, information and expert assistance to deal with a complex and often-confusing process. The Fraud Resolution Specialist will provide the victim with the following:

• A Uniform ID Theft Affidavit and answer any questions regarding completion of the affidavit and counsel the victim on submission of the affidavit to the proper authorities, credit bureaus, and creditors
  
• Itemized fraudulent account statements for each fraudulent occurrence and advice on where to submit the statements
  
• Guidance as to how and where to report the fraudulent activity to local and federal authorities as well as, the fraud departments of creditors
  
• Credit Reporting Agencies contact information

Basic Educational Products
All subscribers to the Program are provided access to a comprehensive set of online resources designed to assist the individual in taking the necessary steps to follow and reduce the possibility of becoming an identity fraud victim including:

• Informative articles on the extent of identity theft and related privacy concerns,
  
• Educational material describing how identity theft typically occurs with suggestions as to protective measures to prevent ID theft occurrences,
  
• A free ID Theft Emergency Response Kit™ containing required legal forms and letters

Web Based Resources

• A special Blog to correspond with other victims of identity fraud and maintain awareness of changes in the laws affecting identity and credit fraud
  
• Continuously updated news feeds on issues affecting identity theft and credit fraud.

The MicroBilt Assurance Credit Protection Programs ™ are priced affordably to enable your institution to resell or offer custom programs as a benefit to your customers, members or employees.

For more information about any of these MicroBilt products, call us at
1-800-884-4397.