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HomeMy WebLinkAboutResolution - 2010-R0463 - Service Agreement For Pre-Paid Legal Services - Legalease Group - 09/27/2010Resolution No. 2010-RO463 September 27, 2010 Item No. 5.8 RESOLUTION BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF LUBBOCK: THAT the Mayor of the City of Lubbock is hereby authorized and directed to execute for and on behalf of the City of Lubbock, a Service Agreement for Pre -Paid Legal Services as per RFP 10 -111 -DT, by and between the City of Lubbock and The LegaIEASE Group, and related documents. Said Service Agreement is attached hereto and incorporated in this resolution as if fully set forth herein and shall be included in the minutes of the City Council. THAT the City Manager, or her designee, may execute any routine documents and forms associated with said services. Passed by the City Council on September 27, 2010 TOM MARTIN, MAYOR ATTEST. (Q4'q�' _f!:� Rebe ca Garza, City Secret APPROVED AS TO CONTENT: V Leisa Hutcheson, Director of Human Resources and 11 Risk Management APPROVED AS TO FORM: Chad Weaver, Assistant City Attorney vwxcdocs/RES.Risk Mgmt-LegaIEASE Group September 9, 2010 Resolution No. 2010—RO463 City of Lubbock, TX SERVICE AGREEMENT Pre -Paid Legal Services RFP 10 -111 -DT Contract 9713 This Service Agreement (this "Agreement") is entered into as of the 27"' day of, September 2010, ("Effective Date") by and between The LegaIEASE Group (the Company), and the City of Lubbock (the "City"). RECITALS WHEREAS, the City has issued a Request for Proposals 10 -111 -DT for pre -paid legal services for its employees. WHEREAS, the proposal submitted by the Company has been selected as the proposal which best meets the needs of the City and its employees for this service; and WHEREAS, the Company desires to perform as an independent contractor to provide pre -paid legal services upon terms and conditions maintained in this Agreement; and NOW THEREFORE, for and in consideration of the mutual promises contained herein, the City and Company agree as follows: City and Company acknowledge the Agreement consists of the following exhibits which are attached hereto and incorporated herein by reference, listed in their order of priority in the event of inconsistent or contradictory provisions: 1. This Agreement 2. Exhibit A — Intent and General Conditions 3. Exhibit B — Proposal Submittal ARTICLE I SERVICE 1.1 Company agrees to perform those services for the City that are specified on Exhibit A (the "Services") and attached hereto. 1.2 Company shall use its commercially reasonable efforts to render Services under this Agreement in a professional and business -like manner and in accordance with the standards and practices recognized in the industry. Non -appropriation clause: All funds for payment by the City under this Agreement for pre -paid legal services are subject to the availability of an annual appropriation for this purpose by the City. In the event of non -appropriation of funds by the City Council of the City of Lubbock for pre -paid legal services provided under the Agreement, the City will terminate that portion of the Agreement, without termination charge or other liability, on the last day of the then -current fiscal year or when the appropriation made for the then - current year for the goods or services covered by this Agreement is spent, whichever event occurs first. If at any time funds are not appropriated for the continuance of this Agreement, cancellation shall be accepted by the Company on thirty (30) days prior 10 -111 -DT Pre -Paid Legal Services - The LegaIEASE Group Redline I Page 1 of 7 written notice, but failure to give such notice shall be of no effect and the City shall not be obligated under this Agreement beyond the date of termination. ARTICLE II MISCELLANEOUS 2.1 This Agreement is made in the State of Texas and shall for all purposes be construed in accordance with the laws of said State, without reference to choice of law provisions. 2.2 This Agreement is performable in, and venue of any action related or pertaining to this Agreement shall lie in, Lubbock, Texas. 2.3 This Agreement and its Exhibits contains the entire agreement between the City and Company and supersedes any and all previous agreements, written or oral, between the parties relating to the subject matter hereof. No amendment or modification of the terms of this Agreement shall be binding upon the parties unless reduced to writing and signed by both parties. 2.4 This Agreement may be executed in counterparts, each of which shall be deemed an original. 2.5 In the event any provision of this Agreement is held illegal or invalid, the remaining provisions of this Agreement shall not be affected thereby. 2.6 The waiver of a breach of any provision of this Agreement by any parties or the failure of any parties otherwise to insist upon strict performance of any provision hereof shall not constitute a waiver of any subsequent breach or of any subsequent failure to perform. 2.7 This Agreement shall be binding upon and inure to the benefit of the parties and their respective heirs, representatives and successors and may be assigned by Company or the City to any successor only on the written approval of the other party. 2.8 All claims, disputes, and other matters in question between the Parties arising out of or relating to this Agreement or the breach thereof, shall be formally discussed and negotiated between the Parties for resolution. In the event that the Parties are unable to resolve the claims, disputes, or other matters in question within thirty (30) days of written notification from the aggrieved Party to the other Party, the aggrieved Party shall be free to pursue all remedies available at law or in equity. IN WITNESS WHEREOF, this Agreement is exe ite4 as of the Effective Date. City of Lubbock, TX The I egaIEAPE Group -ww _ Tom Martin, Mayor Nam obert L. Heston, Jr. Title: VPresident and CEO 10 -111 -DT Pre -Paid Legal Services - The LegalEASE Group Page 2 of 7 ATTEST: �;z ALe_�5�� Rebecca arza, City Secretary APPROV AS TO C TENT: Leis utch son, Director of Human Resources and Risk Management APP AS FORM: Chad Weaver, Assistant City Attorney 10 -111 -DT Pre -Paid Legal Services -The LegaIEASE Group Redline 1 Page 3 of 7 Resolution No. 2010—RO463 EXHIBIT A CITY OF LUBBOCK, TEXAS Pre -Paid Legal Services RFP 10 -111 -DT I. INTENT AND GENERAL CONDITIONS The following services will be required by the successful proposer: 1.1 Non -Exclusive Agreement: This agreement is non-exclusive, and the plan may make similar agreements with other providers. 1.2 To provide pre -paid legal services for City employees at rates pursuant to Exhibit B. 1.3 Provide an account representative that is the central contact for all City questions and concerns. 1.4 Provide all materials necessary for enrollment in insurance policies stated in 1.1 above. 1.5 Provide on-site enrollment assistance for the initial enrollment and at subsequent annual enrollment periods. 1.6 Guarantee rates for pre -paid legal services for City employees for a period of three (3) years. 11. ADDITIONAL SPECIFICATIONS 2.1 Independent contractor: Company is and shall at all times be deemed to be an independent contractor and shall be wholly responsible for the manner in which it performs the services required of it by the terms of this Agreement. Nothing herein contained shall be construed as creating a relationship of employer and employee, or principal and agent, between the Plan and Company's or any of Company's agents or employees or between Company and any member of its staff. Company assumes exclusively the responsibility for its acts and the acts of its employees as they relate to the services to be provided during the course and scope of their employ. Company, its agents and employees shall not be entitled to any rights or privileges of the Plan's employees and/or Members and shall not be considered in any manner to be the Plan employee(s). 2.2 Ownership of records and databases: Except for microfilm, all records relating to the Plan and the Employer that come into the possession of the Company shall remain the property of the Employer and shall remain confidential; provided that the Company shall have the right to make copies of such records and data and to include data collected during the performance of this Agreement with data collected from other sources to create one or more master databases. All such master databases and any data included therein shall be the property of the Company and shall not be used or disclosed by Employer; provided however, that the Company shall not disclose to any third party any Employer -specific or Plan -specific data contained in any such master database, unless required by law. 10 -111 -DT Pre -Paid Legal Services -The LegalEASE Group Redline 1 Page 4 of 7 2.3 Covered employee information: Name, address, salary, etc. will not be utilized for any purpose other than the administration of Plan benefits, but may be disclosed if required by law. III. CONTRACT TERM 3.1 The contract term of this agreement shall commence on January 1, 201 land shall be for a period of one year, with the City's option to renew the contract annually for up to two additional one- year terms, contingent upon satisfactory performance evaluations by the City. 3.2 Either party may terminate this agreement with a sixty (60) day written notice. IV. CITY RIGHT TO AUDIT 4.1 At any time during the term of the contract, or thereafter, the City, or a duly authorized audit representative of the City or the State of Texas, at its expense and at reasonable times, reserves the right to audit Company's records and books relevant to all services provided to the City and its employees under this Contract. In the event such an audit by the City reveals any errors or overpayments by the City, Company shall refund the City the full amount of such overpayments within thirty (30) days of such audit findings, or the City, at its option, reserves the right to deduct such amounts owing the City from any payments due Company. V. INDEMNIFICATION 5.1 Company shall defend, indemnify, and hold harmless the City for any and all third party claims, demands, liabilities, and expenses (including attorney's fees and costs of defense) incurred by the Plan as a direct and sole result of the performance of the Company's obligations under this Agreement. V. INSURANCE 6.1 Prior to the approval of this contract by the City, the Company shall furnish a completed Insurance Certificate to the City, which shall be completed by an agent authorized to bind the named underwriter(s) to the coverages, limits, and termination provisions shown thereon, and which shall furnish and contain all required information referenced or indicated thereon. THE CITY SHALL HAVE NO DUTY TO PAY OR PERFORM UNDER THIS CONTRACT UNTIL SUCH CERTIFICATE SHALL HAVE BEEN DELIVERED TO THE CITY. 6.2 Subject to the Company's right to maintain reasonable deductibles in such amounts as are approved by the City, the Company shall obtain and maintain in full force and effect for the duration of this contract, and any extension hereof, at Company's sole expense, insurance coverage written by companies approved by the State of Texas and acceptable to the City, in the following type(s) and amount(s): TYPE AMOUNT 1. Worker's Compensation Statutory and Employers Liability $500,000 2. Commercial General (public) Liability insurance including coverage for the following: 10 -111 -DT Pre -Paid Legal Services -The LegaIEASE Group Redline 1 Page 5 of 7 6.3 6.4 6.5 a. Premises operations b. Products/completed operations C. Personal injury d. Advertising injury e. Contractual liability 3. Errors and Omissions 4. Comprehensive Automobile Liability a. Any auto ADDITIONAL POLICY ENDORSEMENTS Combined single limit for bodily injury and property damage of $500,000 per occurrence or its equivalent. $1,000,000 Combined single limit for bodily injury and property damage of $300,000 per occurrence or its equivalent. The City shall be entitled, upon request, and without expense, to receive copies of the policies and all endorsements thereto and may make any reasonable request for deletion, revision, or modification of particular policy terms, conditions, limitations, or exclusions (except where policy provisions are established by law or regulation binding upon either of the parties hereto or the underwriter of any of such policies). Upon such request by the City, the Company shall exercise reasonable efforts to accomplish such changes in policy coverages, and shall pay the cost thereof. REQUIRED PROVISIONS The Company agrees that with respect to the above required insurance, insurance contracts and certificate(s) of insurance will contain and state, in writing, on the certificate or its attachment, the following required provisions: a. Name the City of Lubbock and its officers, employees, and elected representatives as additional insureds, (as the interest of each insured may appear) as to commercial general liability insurance; b. Provide for 30 days notice to the City for cancellation, nonrenewal, or material change (except in the instance of non-payment); c. Provide for notice to the City at the address shown below by registered mail; d. The Company agrees to waive subrogation against the City of Lubbock, its officers, employees, and elected representatives for injuries, including death, property damage, or any other loss to the extent same may be covered by the proceeds of insurance; e. Provide that all provisions of this contract concerning liability, duty, and standard of care together with the indemnification provision, shall be underwritten by contractual liability coverage sufficient to include such obligations within applicable policies. f. All copies of the Certificates of Insurance shall reference the project name or bid number for which the insurance is being supplied. NOTICES The Company shall notify the City in the event of any change in coverage and shall give such notices not less than 30 days prior the change, which notice must be accompanied by a replacement CERTIFICATE OF INSURANCE. 10 -111 -DT Pre -Paid Legal Services -The LegalEASE Group Redline I Page 6 of 7 All notices shall be given to the City at the following address: Marta Alvarez - Purchasing Manager City of Lubbock 1625 13th Street Lubbock, Texas 79401 6.6 Approval, disapproval, or failure to act by the City regarding any insurance supplied by the Company shall not relieve the Company of full responsibility or liability for damages and accidents as set forth in the contract documents. Neither shall the bankruptcy, insolvency, or denial of liability by the insurance company exonerate the Company from liability. 10 -111 -DT Pre -Paid Legal Services -The LegalEASE Group Redline 1 Page 7 of 7 Resolution No. 2010-RO463 ACORO� CERTIFICATE OF LIABILITY INSURANCE �.� DMNUDD/YYYY) 8// 9/9/2010 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Assurance One Of Texas, LLC 11767 Katy Freeway, Suite 930 Houston TX 77079 CONTACT Jennifer Bowers NAME: PHONE (281)596-9200 FAC No:(281)596-9222 ADDRIESS:7bowers@altx.Com PRODUCER p0026019 INSURERS AFFORDING COVERAGE NAIC # INSURED LEGAL ACCESS PLANS CONSULTINGAND AS PER IL T8 5850 SAN FELIPE STE 600 HOUSTON TX 77057-4804 INSURERA:Travelers Lloyds Ins CO 41262 INSURERB:Travelers Indemnity Co 25658 INSURERC:Tile Std Fire Ins Co 19070 INSURER D -Gemini INSURER E INSURER F: COVERAGES CERTIFICATE NUMBERRevised 10/11 Master REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF MM/DD/YYYY POLICY EXP MMIDD/YYYY LIMITS GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 A X COMMERCIAL GENERAL LIABILITY I CLAIMS -MADE ❑X OCCUR L-PACP-1963B28-4-TLC-10 /1/2010 /1/2011 A PREMISES MA E Ea RENTEDoccurrence $ 300,000 MED EXP (Any one person) $ 5,000 PERSONALBADV INJURY $ 2,000,000 GENERAL AGGREGATE $ 4,000,000 GEN'L AGGREGATE LIMIT APPLIES PER. PRODUCTS - COMP/OP AGG $ 4,000,000 $ X POLICYF-1 PROT LOC AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT (Ea accident) $ 1,000,000 A ANY AUTO ALL OWNED AUTOS IL-PACP-1963B28-4-TLC-10 /1/2010 /1/2011 BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ X SCHEDULED AUTOS HIRED AUTOS PROPERTY DAMAGE $ (Per accident) $ X NON -OWNED AUTOS X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 2,000,000 AGGREGATE $ 2,000,000 EXCESS LIAB CLAIMS -MADE DEDUCTIBLE $ $ B X RETENTION $ 10,000 ISF-CUP-8742W02-A-IND-10 /1/2010 /1/2011 C WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? L (Mandatory In NH) N / A C -UB -4416823-5-10 /14/2010 /14/2011 XVJC STATU- OTH- ER E.L. EACH ACCIDENT $ 1 000 000 E.L. DISEASE - EA EMPLOYE $ 1:000:000 If Yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 11000,000 D Professional Liability PL003214 2/15/2009 2/15/2010 General Aggregate $ 2,000,000 Per Occurrence $ 2,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, If more space is required) FOR INFORMATIONAL PURPOSES ONLY LhGI c Le1301!_11 VeliI SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE Braniff Jr/JEN��- ACORD 25 (2009/09) ©1988-2009 ACORD CORPORATION. All rights reserved. INS025 (200909) The ACORD name and logo are registered marks of ACORD Resolution No. 2010—RO463 Exhibit B Legal Plan Services Please provide a response for the following evaluation criteria: Network Continuity in all 50 States- LegaIEASE has legal plan products for all 50 states and all US territories including, U.S. Virgin Islands, Guam, and Puerto Pico. LegatEASE's proprietary attorney network is available in all 50 states, all US territories, and in seven (7) countries throughout the world. Product Available in all 50 States LegaIEASE has legal plan products for all 50 states and all US territories including, U.S. Virgin Islands, Guam, and Puerto Rico. Lega1EASE's proprietary attorney network is available in all 50 states, all US territories, and in seven (7) countries throughout the world. Portability of Product When an Employee Leaves- The LegaIEASE legal plans are a fully portable voluntary benefit. Terminating/retiring employees wilt be offered the option to continue their coverage at the same level of benefits and for the same monthly premium. The Plan Member will have the option of selecting to have the monthly fee automatically charged to a credit card or deducted directly from a checking or savings account. If continued coverage is selected, there is no interruption in benefits for new or ongoing cases. • Number of Law Firms Number of law firms 12,300 Number of attorneys 17,400 10,000+ attorneys in network for over 10 years 10,000+ attorneys in network for over 15 years • Min Attorney Experience to Participate in Network Each New Network Provider is required to submit the following information: • The disciplinary record and malpractice history of each lawyer in the firm • The service orientation to members who have never used the legal system • The revocation of any professional license of each lawyer • Any pending actions of discipline for each attorney • Any pending malpractice actions for each attorney • Any denials of the right to practice law to any attorney • Any cancellations of malpractice or professional insurance • The mental condition or ability, or any impairment thereof, which would prohibit or limit the exercise of one's judgment • The conviction for any felony criminal charges • A detailed history of all disciplinary proceedings and all errors and omissions insurance All attorneys participating in the Network must adhere to the following criteria: • Licensed to practice law at least ten years or licensed at least 3 years but less than 10 years AND has an attorney In the firm practicing at least 10 years. • Current Malpractice Insurance • Attorney has no malpractice lawsuits or disciplinary action in the fast ten years • Attorney has no pending lawsuits or disciplinary action. • Sign background verification under Penalty of Perjury • Meet Requirements set forth above — (response to each Question must be in negative; i.e., no malpractice issues, no judgments, no substance abuse, etc.] What screening requirements do you follow for evaluating the types of attorneys participating in your network? LegaIEASE Lawyer Qualifications. Our service requirements mandates that only practicing attorneys are able to consult with Plan Members and offer advice and consultation services; including all of the services listed in this proposal, Thus, all "persons rendering consultations to Plan Members" in this model will be local, practicing Plan Attorneys in local law firms in each county where Plan Members need services Each of these Local Plan Law Firms have been credentialed by our company in accordance with all of the credentialing requirements of our Company. Best Qualified Service -Oriented Attorneys. We understand how important it is to give your members experienced help from quality lawyers when they need them For this reason, we have set up one of the most developed Network Attorney and Law Firm Providers that wilt help your employees get professional, experienced and quality care when they face any type of personal legal problem. Under the Provider Network, your members will receive legal help from professionals with many of these service characteristics. What contractual requirements do you have for participating attorney? Contract Requirements — LegaIEASE Attorney provider contract is a full 9 pages longer than any other legal Service Plan in the industry ensuring that Plan Members are fully protected in their dealings with tdetwork Attorneys. What is the average length of contract? • Contract is 2 years with re-credentialing each year. Customer Service Features • Detailed Intake- We do not merely give ernployee's a "name on a list of providers " Instead, we have a proprietary intake system that matches the needs and preferences of each employee with the right attorney in terms of RFP 10 -111 -or 50 Assistance rendered to the Member/Fatuity Member to help negotiate, settle or reduce one or more debts of covered members/dependents Assistance with Problems Involving Minimal Number of Creditors - Phone and Online [Member's Choice] Consultations Advice, negotiations, office work, and court representation • Debt Consolidation Coach Assistance rendered to the Member/Family Member to help consolidate a number of debts into a formal consolidation plan - of covered members/dependents Consultations with Counselor Phone and Online [Member's Choice] Consultations Assistance with Problems Involving Large Number of Creditors Negotiation Agreements Development of Formal Consolidation Plan • Comnrehensive Family Budget Prenaration Budget Analysis Services Counseling rendered to the Member/Family Member regarding creating, analyzing and planning a budget to resolve debt issues Budget Prepared for Member/Family [No Charge] Debt/Asset Organization Assistance Modifications to Budget Determination of Specific Budget Goals • Financial Management Seminars- Yes, at no additional fee • rmancrar manning Services Unlimited Number of Financial Planning Follow-up Consultations Each Consultation Up to One Half Flour • Financial Online Libraries & Calculators -Yes, part of our standard website • Financial Planning Seminars -Presented by local providers at no additional charge. • Tax Advice IRS Federal Taxpayer Dispute Consultation Service Review and Consultation on Tax Preparation Issues Initial Tax Preparation Question - One per topic Tax Planning Consultations • Tax Prenaration Return IRS Federal Taxpayer Dispute Consultation Service Review and Consultation on Tax Preparation Issues Initial Tax Preparation Question - One per topic Tax Planning Consultations • Legal Seminars -Presented by local providers • IDTheft Prevention Workshops / Seminars- Presented by local providers Financial Counseling Debt/Credit Services -All services below are offered to members at no additional charge RPP I0 -1I I -DT it o l.D Theft Checklists o ID Theft Prevention Information o ID Theft Reporting Credit Improvement Services All services below are offered to members at no additional charge. • Counseling rendered to the named insured and/or his/her insured spouse to help clear credit or repair credit of covered members/dependents o Credit Repair Assistance - Up to 2 Hours o Credit Repair Services Online or Over the Telephone o Credit Repair Self -Help Information Online o Credit Repair Letters - Samples Provided to Member Additional Financial Resources All services below are offered to members at no additional charge. • Legal Seminars/Workshops • Credit Problem Seminars/Workshops- Up to 10 per Year • A Library of Financial Resources and Materials • Financial Website • Financial Newsletter Articles - Prepared Quarterly Savings Coach Services All services below are offered to members at no additional charge. • Savings Counseling with savings coaches involving savings options • Spouse or Covered Member is covered • Consultation with Savings Coach • Help with Analysis of debt vs. savings • Four (4) Initial Consultations (30 minutes) • How Can I Get Rid of This Debt" Consultations • "The purpose of this initial consultation is to help you understand where you are in terms of getting started handling or getting rid of some debts. Some of the issues that will be assessed include: credit card balances/payment history, debt situation, goals and objectives, and a realistic debt reduction goal. Creation of Budgeting Plan All services below are offered to members at no additional charge. • Our Counselors will direct you to the calculators and tools on our web sites and access them for you if needed. You will have available at least several options that can help you pick a start date and begin to reduce your debt while being realistic about how much progress you can expect. • Follow-up and Staying Committed • Counselor will follow-up with you at least four (4) times in the year to ensure that you are able to meet your plan and to help you stay on target to reach your specific Financial Debt Reduction goals Identity Theft Services All services below are offered to members at no additional charge. • Identity Theft Prevention and Educational Center • Online information and libraries to help you and your family take preventative steps to protect your identity. • Access to Identity Theft Counselors • In the event that you believe that your identity has been compromised, 1D Theft Counselors will walk you through the recovery process if necessary. Counselors will provide connections to information, FTC Affidavits, referrals for legal representation if needed, assessments and resources. Your benefit includes up to three 30 minute telephone consultations with an Identity Theft Counselor. Savings Services All services below are offered to members at no additional charge. • "Where -We -Are" and "Can -l -Really -Save' Consultation • Understand where you are in terms of getting started Saving. Issues that will be assessed include: expense review, debt situation, goals and objectives, and a realistic budget review. Your &-vings Coach will explain RFP IU -11I -DI 53