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<div class=WordSection1>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'><span
style='mso-spacerun:yes'>�������������������������������������������������
</span></span><span style='mso-no-proof:yes'><!--[if gte vml 1]><v:shapetype
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alt="Vero Identity Theft Solutions" style='width:208pt;height:63.5pt;
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</v:shape><![endif]--><![if !vml]><img width=277 height=85
src="VeroBrochurefiles/image002.jpg" alt="Vero Identity Theft Solutions"
v:shapes="Picture_x0020_2"><![endif]></span><span style='font-size:12.0pt;
font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p>
<center><a style="font-size: 20px;" href="Index.html">(back to home page)</a></center>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'>It can be challenging to
differentiate one identity theft protection program to another. There are
many different terms, and even the same terms do not always mean the same
thing. A detailed due diligence process, and knowing the right questions
to ask, help ensure confidence in the program you choose. Below, is a
list of key benefits that the identity theft protection program you select
should have in order to ensure your credit union and members are provided with
maximum protection, convenience and peace-of-mind.<o:p></o:p></span></p>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-outline-level:2'><b><span style='font-size:18.0pt;
font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman";
color:#003D7D'>How thorough are the identity recovery services?</span></b><b><span
style='font-size:18.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'><o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'>Recovery services provided by Vero
include:</span></b><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p>
<ul type=disc>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo1;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Fully Managed Recovery extending to 3 Generations of
the account holder's family<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo1;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>A professional team standing by to answer calls from
identity theft victims<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo1;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>An optional Limited Power of Attorney providing the
ability for the Recovery Advocates to work on behalf of the victim,
performing the legwork associated with recovery so the victim can return
to his/her life<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo1;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Recovery services extending to previously unknown acts
of identity fraud identified during the recovery process, and every type
of identity fraud as identified by the Federal Trade Commission<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo1;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Complete case resolution, no matter how long it takes
or how complicated it becomes<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo1;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>12 months of personal follow-up to ensure that there
are no new indications of suspicious activity<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo1;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Access to Recovery Advocates for actual or even
suspected identity fraud<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo1;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>No time limit for victims or suspected victims to come
forward with identity theft concern <o:p></o:p></span></li>
</ul>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-outline-level:2'><b><span style='font-size:18.0pt;
font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman";
color:#003D7D'>What training has the recovery specialist had? What level
of customer service is provided during the recovery?</span></b><b><span
style='font-size:18.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'><o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'>Vero's Recovery Advocates are highly
trained and credentialed, functioning within a Recovery Care Center - not a
Call Center. </span></b><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p>
<ul type=disc>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Each of our Recovery Advocates maintains multiple
levels of certification, including FCRA/FACTA, CITRMS, and HIPAA
certifications, is trained in Crisis Counseling, and works one-on-one with
your account holders<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Average Recovery Advocate tenure in the industry is 20
years<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Recovery Advocates are assigned to victims, remain
case-dedicated for the duration of the recovery process, and provide their
direct contact information (email address and telephone number)<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Each victim receives case status updates <span
class=SpellE>form</span> their Recovery Advocate<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Phone conversations are recorded and reviewed routinely
with management to ensure Recovery Advocates consistently meet and/or
exceed established high customer services levels<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Bilingual Advocates are on staff, with access to
multilingual translation<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l1 level1 lfo2;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Recovery Center <span class=GramE>is located in</span>
the United States​<o:p></o:p></span></li>
</ul>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-outline-level:2'><b><span style='font-size:18.0pt;
font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman";
color:#003D7D'><o:p> </o:p></span></b></p>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-outline-level:2'><b><span style='font-size:18.0pt;
font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman";
color:#003D7D'>What protections are provided to the Organization?</span></b><b><span
style='font-size:18.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'><o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'>Vero includes substantial Internal
Data Breach Services for your Organization.</span></b><span style='font-size:
12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p>
<ul type=disc>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l4 level1 lfo3;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Data Breach Response Plan customized to the institution
and the incident provided within 2 business days of notification<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l4 level1 lfo3;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>A comprehensive Communication Plan, customized for your
unique circumstances, includes support such as; consumer notification
letter, press release(s) and other PR needs, employee/call center
scripting, FAQs and website messaging<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l4 level1 lfo3;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Fully Managed Recovery Services for breach victims
within the covered group<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l4 level1 lfo3;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Discounted pricing available for monitoring services to
be offered to victims and other optional response services <o:p></o:p></span></li>
</ul>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-outline-level:2'><b><span style='font-size:18.0pt;
font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman"'>​<span
style='color:#003D7D'>How easy is it for covered account holders
to utilize services?</span><o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'>Vero provides account holders with
immediate access to account management. ​</span></b><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'><o:p></o:p></span></p>
<ul type=disc>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l0 level1 lfo4;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Fully Managed Recovery Services, Lost Document
Replacement, and Identity Theft Expense Reimbursement Insurance are
effective immediately; no enrollment, no activation steps<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l0 level1 lfo4;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>If included in the package, the entitlement to Credit
Monitoring is easily activated via email and simple, one-stop online
activation process<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l0 level1 lfo4;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>For Website Subscription packages, all services are
activated before any charges are assessed to the consumer, guaranteeing no
breakage<o:p></o:p></span></li>
</ul>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-outline-level:2'><b><span style='font-size:18.0pt;
font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman";
color:#003D7D'>How easy is the program to implement?</span></b><b><span
style='font-size:18.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'><o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'>Vero provides full-service support
throughout the implementation process.<o:p></o:p></span></p>
<ul type=disc>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l2 level1 lfo5;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Personal Client Managers provide full deployment
support for implementation, training, and ongoing service needs, including
best practices, communication templates, and more<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l2 level1 lfo5;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Training includes recorded sessions for new employee
on-boarding<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l2 level1 lfo5;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Marketing collateral with multiple themes and templates
is provided, all customized with your logo and colors<o:p></o:p></span></li>
</ul>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-outline-level:2'><b><span style='font-size:18.0pt;
font-family:"Times New Roman",serif;mso-fareast-font-family:"Times New Roman";
color:#003D7D'>How compliant is the provider's identity theft protection
program?</span></b><b><span style='font-size:18.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal'><span style='font-size:12.0pt;font-family:"Times New Roman",serif;
mso-fareast-font-family:"Times New Roman"'>Vero offers only Compliance-Friendly
Programs.<o:p></o:p></span></p>
<ul type=disc>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l5 level1 lfo6;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>No regulatory fines, sanctions, suspensions<o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l5 level1 lfo6;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Zero Better Business Bureau complaints and an A+ rating <o:p></o:p></span></li>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l5 level1 lfo6;tab-stops:list .5in'><span
style='font-size:12.0pt;font-family:"Times New Roman",serif;mso-fareast-font-family:
"Times New Roman"'>Victim satisfaction surveys from the last nine years
consistently reflect consumer satisfaction levels in the 90th percentile<o:p></o:p></span></li>
</ul>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal align=center style='text-align:center'>For further
information contact:</p>
<p class=MsoNoSpacing align=center style='text-align:center'>Ron Duvall</p>
<p class=MsoNoSpacing align=center style='text-align:center'><a
href="mailto:[email protected]">[email protected]</a></p>
<p class=MsoNoSpacing align=center style='text-align:center'>(C) 443-562-5132</p>
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