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IdentitySecure

 

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On average, someone loses their identity every 3.2 seconds.*

Identity Theft is a complicated crime and you need a comprehensive solution. IdentitySecureSM provides access to benefits and services that help prevent, detect and resolve identity theft-related issues.

Prevention
IdentitySecure provides a variety of prevention tools to help protect your identity from being stolen. Utilizing real-time web crawling software, IdentitySecure can monitor activity involving your card or social security numbers plus provide you with access to a wide variety of information and educational resources to help you protect yourself.

Prevention Tools

° Credit and Debit Card Monitoring1
° Social Security Number Monitoring1
° Neighborhood Reports
° MyIDMatters Fraud and Identity Protection Website

Detection
In the event that someone does attempt to steal your identity, IdentitySecure offers credit report monitoring services from the three major credit bureaus; Experian®, Equifax®, and TransUnion®. In addition to up-to-date credit reports and scores, you will receive alerts when new inquiries are made involving your credit, certain derogatory information appears on your credit history or any accounts or public records are added to your credit report.

 Detection Tools

° Triple-Bureau Credit Reports and Scores2
° Triple-Bureau Daily Credit Monitoring3
° Credit Information Hotline

Resolution
Should the unfortunate event of identity theft occur, IdentitySecure offers a full range of support to help you navigate the process of restoring your identity. Most importantly, you will receive up to $10,000 in insurance to cover any out-of-pocket expenses incurred in the identity recovery process.

Resolution Tools

° $10,000 Identity Theft Insurance 4
° Identity Fraud Support Service
° Card and Document Registration
° Lost/Stolen Credit Card Assistance5
° Fraud Assist Toolbox

Monthly Service Fee
IdentitySecure comes with a 30 day trial period and a low monthly fee to help protect you from the costly experience of an identity theft incident.

Monthly Service Fee

° 30 Day Trial Period - Free
° Primary Customer - $9.95 per month
° Additional Customer - $4.95 per month

 

Visit any of our convenient BancorpSouth branch locations to register for IdentitySecure and start protecting your identity today.

 

All IdentitySecure services and benefits are provided by Trilegiant Corporation in conjunction with Alliance Marketing Association. Any part of the IdentitySecure service may be modified or improved at any time and without prior notice.
IdentitySecure is a service mark of Trilegiant Corporation.
*Javelin Strategy & Research. 2009 Identity Fraud Report. 2009
1IdentitySecure monitors up to ten major credit/debit cards (Visa®, MasterCard®, American Express®, Diners club® and Discover®) and your Social Security number on Internet chat rooms. It is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.
2Neither Trilegiant Corporation nor its credit information subcontractors shall have any liability for the accuracy of the information contained in the credit reports or monitoring reports which you receive, including any liability for damages, direct or indirect, consequential or incidental. IdentitySecure is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating.
3Daily monitoring will notify members of any new inquiries, certain derogatory information, accounts, public records, or change of address that have been added to their credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file.
4The Identity Theft Insurance benefit is provided to all members, together with IdentitySecure's other benefits, through Alliance Marketing Association (the "Association"). Upon enrollment in the IdentitySecure service, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by Virginia Surety Company, Inc. under group policy form #GEN-ID-GMP (8-05). Evidence of coverage under the master policy issued by Virginia Surety Company, Inc. with respect to such coverage will be available to you upon enrollment in IdentitySecure. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the evidence of coverage are subject to the terms of the master policy.
5Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly.

 

VerisignEqual Housing LenderMember FDIC
Insurance and Investment products are:
Not a Deposit – No Bank Guarantee – Not insured by FDIC or other Government Agency
Not a Condition of any Bank Loan, Product or Service
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MUTUAL FUND FEES AND ADDITIONAL COMPENSATION

Mutual funds are subject to various fees, charges and other expenses, including investment management fees and various distributionrelated fees (including 12b-1 fees), transfer agency fees and other administrative service fees. The current prospectus for the applicable mutual fund contains more detailed information concerning the fund and its objectives, risks, fees and charges. A copy of the current prospectus may be obtained by contacting your Account Administrator.

BancorpSouth Asset Management & Trust receives fees or other compensation ("Fund Compensation") when your account's assets are invested in certain mutual funds, including money market mutual funds. Some Fund Compensation is paid to us from the assets of the funds ("Fund-Paid Compensation") and impacts your investment return. In other instances, Fund Compensation is paid out of the assets of the fund's manager/sponsor ("Manager-Paid Compensation") and does not impact your investment return. Generally, Fund Compensation is paid to us at least quarterly and is based on a percentage of the average daily net assets of your account invested in the fund. The Fund Compensation we receive is in addition to our normal asset-based fees and other fees and the value of your account's assets will be included in calculating our normal asset-based fees and applicable Fund Compensation.

Trading Platform. If you direct the investment of your account, you have access to a wide variety of mutual funds on our BancorpSouth Asset Management Trading Platform. Many of the mutual funds available on the Trading Platform pay us Fund-Paid Compensation for sub-transfer agency and related services, which fees typically range from 0.10% - 0.15% annually. In addition, certain funds available on the Trading Platform pay us Fund-Paid Compensation in the form of 12b-1 fees for various administration and customer servicing relating to the fund's shares held by your account, which fees typically range from 0.00% to 0.25% annually.

Asset Allocation Models. Currently, we receive Fund-Paid Compensation only in the form of sub-transfer agency fees (for services related to buying, selling, and holding fund shares) from some mutual funds (including money market funds) that are used in our Asset Allocation Models. The sub-transfer agency fees we receive range from 0.00% to 0.15%. The amount of Fund Compensation we receive will vary from fund to fund and may not apply in the case of some funds. Our investment process is designed to pick funds for the Asset Allocation Models without regard to whether a fund pays us Fund Compensation and without regard to the amount of such compensation.

Money Market Mutual Funds. Your account's short-term balances are invested in money market mutual funds sponsored/managed by Federated Securities Corp. ("Federated Money Funds") or money market mutual funds sponsored/managed by Goldman Sachs Asset Management, L.P. ("Goldman Money Funds"). As of March 1, 2011, we receive Manager-Paid Compensation from Federated Securities Corp. or its affiliates of up to 0.05% of the average net assets invested in Federated Money Funds and from Goldman Sachs Asset Management or one of its affiliates of up to 0.06% of the average net assets invested in the Goldman Money Funds. The level of Manager-Paid Compensation will vary from time to time.

For additional information, please contact your Account Administrator.