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Member Guide Table of Contents Welcome....................................................................................................................... 1 Consumer Services Student Loan Solutions ................................................................................................ 3 Credit Monitoring .......................................................................................................... 4 ID Theft & Fraud Resolution ........................................................................................ 5 Legal Advice ................................................................................................................. 6 Financial Advice............................................................................................................ 6 Online Legal Resource Center ..................................................................................... 7 Tax Preparation/Consultation ....................................................................................... 9 Terms & Conditions................................................................................................ 10-11 Phone Directory .......................................................................................................... 12 1 Welcome CONGRATULATIONS! Thank you for selecting the Student Assist Plus benefits plan and joining the thousands of other individuals that rely on our professional team to help them save money. Our valuable membership plan provides exclusive offers & savings on services such as: • Student Loan Solutions • Tax Preparation • Identity Theft • Credit Monitoring How to Start Using Your Benefits Utilize any of the phone numbers in the Phone Directory at the end of this guide to learn more about any of our benefits. You may also call us at (888) 456-4055 to speak with an account manager about your membership and related benefits. We are confident that you will experience the value that comes with a Student Assist Plus membership plan the minute your membership begins. If you have any questions along the way, our friendly, dedicated customer service professionals are here to help. Call Us! Call us at (888) 456-4055. We can assist you Monday through Friday from 8:00 a.m. to 5:00 p.m., Pacific Standard Time. You may also use the contact form on our website at www.StudentAssistPlus.com/contact 24 hours a day! Member Services Toll-Free Number: 1-888-456-4055 2 Student Loan Solutions Description of Benefits: • If Member is on an income based payment option, member will get annual assistance in the preparation and submission of all required income documentation. • Member can change payment option programs once per year at no additional cost. • Member can request up to 2 payment deferments/forbearance per year. • Get updated information on new government repayment programs. • Get phone support regarding your Federal Student Loans from 8am to 5pm Pacific Time Qualifications: • Member must have previously consolidated all federal student loans through one of the payment options offered by the Department of Education. • Member must be current on all monthly payments to Student Assist Plus Student Loan Solutions Hotline: (888) 337-0465 3 Credit Monitoring Description of Benefits: Credit report monitoring is the monitoring of one's credit history in order to detect any suspicious activity or changes. Companies offer such service on a subscription basis, typically granting regular access to one's credit history, alerts of critical changes to one's credit history, and additional services. Credit monitoring can help detect credit related fraud and identity theft. In the United States, whenever obtaining one's credit history, or credit monitoring, such services are typically available either as single-bureau service (with data access to only one of the 3 national credit reporting bureaus), or three-bureau service (with access to data to all three national credit reporting bureaus). Debit & credit card monitoring in Internet hacker chat rooms. We monitor the Internet for fraudulent activity involving consumers’ personal information, such as a credit card account, debit card account, PIN numbers and other personal information. We collect that compromised data from the Internet and make it available in real time to consumers on our platform by providing them with an alert and allowing them to be proactive in managing their identity. Credit Monitoring - Single report from Experian, which is the largest credit bureau. You have unlimited access to your credit report. Credit Score - Your actual credit score based upon Experian (The largest credit bureau). Credit Monitoring - Your Experian credit score will be monitored on a daily basis for all new credit inquiries. Credit Monitoring Hotline: (800) 706-5749 4 ID Theft Protection Identity theft is one of the fastest growing crimes in the nation. If a family member or someone you know has been the victim of identity theft, you know all too well how difficult it can be to restore your good name and credit. Features: Identity Monitoring (High Risk Transactions) - HRT are alerts that typically take place outside of a credit report. An exception to this rule is when a consumer goes through an authentication process (this could be setting up a new bank account, PayPal, eBay or credit card) we will have a real time alert based on this. More importantly, they are real time alerts focusing on fraud and someone trying to pose as someone else or someone trying to take over an account. We know when suspicious transactions occur at over 300 participating banks, online retailers, health insurers and more. Whether a fraudster succeeds or not, we’ll let you know when a bank password reset request is made, a new credit card is activated or access to their health insurance portal is attempted. Additionally, these alerts will detect wire transfers through bank or investment accounts, money transfers through MoneyGram, cell phone insurance use, and address change attempts whether online or through a financial institutions website. Identity Score We help you determine how vulnerable you are to identity theft. We measure your personal risk and assign you an Identity Risk Score. When you understand where, when, and how you are at risk, you can take control to manage your identity. Risk Level Secure - No risks or area of concern at this time. Elevated Risk Level - We have noticed some transactions that require your attention. Please log in to your account to confirm your alerts. Also, please check your credit card and bank accounts for suspicious transactions. High Risk Level - Your risk level is high. Please log in to your account or call customer service immediately. We need to discuss transactions that have taken place with your identity. Also, please check your credit report, credit card and bank accounts for suspicious transactions. ID Theft Reimbursement Insurance Up to $25,000 in Expense Reimbursement Coverage from AIG Insurance Company (Subject to Master Policy terms and conditions) Includes: . Expense Reimbursement: $25,000 per policy period maximum . Lost Wages: $ 500 per week, for 4 weeks maximum . Deductible $ 0 per policy period **Identity theft insurance underwritten by subsidiaries or affiliates of AIG/Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual 5 policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. How it works: Our Fraud Resolution Program is a confidential and easily accessible service that provides an administrative structure for dealing with identity theft. By simply contacting CLC customer service at 1-800-706-5749, a member will receive a free 1-hour consultation with a trained and experienced Fraud Resolution Specialist in our call center. Our professional staff and highly trained specialists are available to listen to your issues, answer your questions, and assist members with restoring their identity and good credit. When a member contacts a CLC Fraud Resolution Specialist and informs us of ID Theft, we will conduct the following six emergency response activities: 1. Provide the member with a uniform ID Theft Affidavit, answer any questions with regards to completing the affidavit and counsel the member on submitting the affidavit to the proper authorities, credit bureaus, and creditors. 2. Furnish the member with separate fraudulent account statements for itemizing each fraudulent occurrence and advising the member on where to submit the statements. 3. Direct the member on where to report the fraudulent activity and how to notify the local and federal authorities, and the fraud departments of their creditors. 4. Advise the member on how to obtain a free copy of their credit report and how to place a Fraud Alert on their credit record. 5. Provide the member with an ID Theft Emergency Response Kit. TM 6. Educate the member on how identity theft occurs and inform the member of protective measures to take to avoid further ID theft occurrences. Our highly trained Fraud Resolution Specialists (FRS) are qualified fraud recovery professionals recognized for expertise and professional skill level. Each FRS team member is certified under the Fair Credit Reporting Act. Legal & Financial Coaching Your membership provides you and your eligible family members with no-cost and affordable legal assistance from attorneys in your area when you feel
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